Document:

EXHIBIT 10.10

                               PURCHASE AGREEMENT

     THIS PURCHASE AGREEMENT (the "Agreement") is made and entered into as of
the 23rd of July, 2001, by and between the following:

          WILLIAM R. PARKER, an individual (hereinafter "Seller"); and

          EMB CORPORATION, a Hawaii corporation (hereinafter "EMB").

                               W I T N E S S E T H
                               - - - - - - - - - -

     WHEREAS, subject to the terms and conditions of this Agreement, EMB and
Seller desire for EMB to purchase from Seller and for Seller to sell to EMB all
of the outstanding common stock of SADDLEBACK INVESTMENT SERVICES, INC., a
California corporation, (the "Saddleback Stock" and "Saddleback", respectively);
and

     WHEREAS, the Board of Directors of EMB deems it desirable and in the best
interests of EMB and its stockholders that EMB purchase the Saddleback Stock in
consideration of issuance by EMB to Seller of Five Hundred Thousand (500,000)
shares of EMB common stock (the "EMB Shares") and cash in the amount of
$100,000.00 as evidenced by the promissory note of EMB (the "EMB Note"); and

     WHEREAS, Seller deems it desirable and in the best interests of Seller that
Seller sell the Saddleback Stock to EMB; and

     WHEREAS, EMB and Seller desire to provide for certain undertakings,
conditions, representations, warranties, and covenants in connection with the
transactions contemplated by this Agreement; and

     WHEREAS, Seller and the Board of Directors of EMB have approved and adopted
this Agreement, subject to the terms and conditions set forth herein;

     NOW, THEREFORE, in consideration of the premises and the mutual covenants
and agreements herein contained, the parties hereto do hereby agree as follows:

                                    SECTION 1

                                   DEFINITIONS
                                   -----------

     1.1 "Agreement", "EMB", "EMB Note", "EMB Shares", "Seller", "Saddleback"
and "Saddleback Stock", respectively, shall have the meanings defined in the
foregoing preamble and recitals to this Agreement.

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     1.2 "Closing Date" shall mean 10:00 a.m., local time, July 24, 2001, at
Santa Ana, California, the date on which the parties hereto shall close the
transactions contemplated herein; provided that the parties can change the
Closing Date and place of Closing to such other time and place as the parties
shall mutually agree, in writing. As of the Closing Date, all Exhibits to this
Agreement shall be complete and attached to this Agreement.

                                    SECTION 2

               AGREEMENT FOR PURCHASE AND SALE OF SADDLEBACK STOCK
               ---------------------------------------------------

     2.1 Substantive Terms of the Purchase and Sale of Saddleback Stock.

     Seller shall sell and deliver to EMB one hundred percent (100%) of the
issued and outstanding common stock of Saddleback in a form enabling EMB, then
and there, to become the record and beneficial owner of said common stock,
consisting of ten thousand (10,000) shares which represents all of the issued
and outstanding capital stock of Saddleback.

     2.2 Consideration Paid by EMB.

               (a) EMB shall deliver to Seller Five Hundred Thousand (500,000)
          shares of common stock of EMB. The EMB Shares shall be issued pursuant
          to an exemption from registration under the Securities Act of 1933
          (the "1933 Act") and from registration under any and applicable state
          securities laws and the certificates representing the EMB Shares shall
          bear the restrictive legend set forth in Rule 144 of the Rules and
          Regulation of the 1933 Act and any appropriate legend required under
          applicable state securities laws. The EMB Shares shall be validly
          issued and outstanding, fully paid, and non-assessable.

               (b) EMB shall also deliver to Seller the EMB Note in the initial
          principal amount of One Hundred Thousand Dollars ($100,000.00) made
          payable to Seller. The EMB Note shall bear interest at the rate of six
          percent (6%) per annum, with the entire principal balance and accrued
          interest thereon being due and payable, in full, on March 1, 2003;
          provided, however, that EMB, at its sole option, may elect to extend
          the due date of the EMB Note to a date not later than September 1,
          2003. The EMB Note shall be in the form attached hereto as Exhibit
          "2.2(b)(1)". The performance by EMB of its obligations under the EMB
          Note shall be secured by the Saddleback Stock as further described in
          the provisions of the Security Agreement to be dated as of the Closing
          Date by and between EMB and Seller (hereinafter referred to as the
          "Security Agreement"), in form attached hereto as Exhibit "2.2(b)(2)".

               (c) Following the Closing Date, Saddleback will become a
          wholly-owned and operated subsidiary of EMB. Seller shall (i) continue
          to serve as the Chief Executive Officer of Saddleback and (ii) be
          named to the Board of Directors of EMB at the earliest practicable
          date.

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               (d) As additional consideration for the acquisition of the
          Saddleback Stock by EMB, EMB shall issue to the Seller options to
          purchase common stock of EMB on the following terms and conditions:

                    (i) Options to purchase two hundred thousand (200,000)
               shares of common stock of EMB shall be granted on January 1,
               2002, with an exercise price of $0.50 per share. Such options
               shall expire on March 31, 2003; provided, however, that they
               shall vest if, and only if, the pre-tax earnings of Saddleback
               equal or exceed the sum of $100,000.00 for the 12-month period
               ended September 30, 2002.

                    (ii) Options to purchase two hundred thousand (200,000)
               shares of common stock of EMB shall be granted on January 1,
               2003, with an exercise price of $1.00 per share. Such options
               shall expire on March 31, 2004; provided, however, that they
               shall vest if, and only if, the pre-tax earnings of Saddleback
               equal or exceed the sum of $100,000.00 for the 12-month period
               ended September 30, 2003.

                    (iii) Options to purchase two hundred thousand (200,000)
               shares of common stock of EMB shall be granted on January 1,
               2004, with an exercise price of $1.50 per share. Such options
               shall expire on March 31, 2005; provided, however, that they
               shall vest if, and only if, the pre-tax earnings of Saddleback
               equal or exceed the sum of $100,000.00 for the 12-month period
               ended September 30, 2004.

               Each such vesting determination shall be made with reference to a
               letter to be prepared by EMB's auditors (or such other person or
               entity reasonably acceptable to the parties), which letter shall
               advise whether the relevant pre-tax earning performance target
               has been achieved. In determining whether such target as been
               achieved, EMB's auditors shall utilize "generally accepted
               accounting principles", consistently applied, during the relevant
               period in question and shall not allocate any overhead of EMB in
               any manner not deemed commercially reasonable and equitable. Any
               Option that does not vest in accordance with the foregoing
               provisions shall lapse and be incapable of being exercised.

               (e) As additional consideration for the acquisition of the
          Saddleback Stock by EMB, EMB agrees that, under circumstances,
          additional shares of EMB Common Stock may be issued to Seller, as
          follows:

                    (i) On September 1, 2002 (the "First Valuation Date"), the
               value of the EMB Shares shall be determined by multiplying the
               number of EMB Shares, as may be adjusted by forward and reverse
               splits of the EMB common stock subsequent to the date of this
               Agreement, but prior to the First Valuation Date, by the fair
               market value of one share of EMB common stock, as determined in
               the manner set forth in this Paragraph. If, as of the First
               Valuation Date, the common stock of EMB is traded on a national
               securities exchange or the NASDAQ Stock Market, then the fair

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               market value of one share of EMB common stock shall be the
               average of the closing selling prices of the EMB common stock as
               reported by such exchange or as reported on the NASDAQ Stock
               Market for the five trading days immediately preceding the First
               Valuation Date, or if there were no sales of EMB common stock
               during such five-day period, then the fair market value of one
               share of EMB common stock shall be deemed to be the closing
               selling price of the EMB common stock as reported by such
               exchange or as reported on the NASDAQ Market System for the next
               prior day on which there were sales of EMB common stock. If, as
               of the First Valuation Date, EMB common stock is traded other
               than on a national securities exchange or the NASDAQ Stock
               Market, then the fair market value of one share of EMB common
               stock shall be the average of the closing bid and asked prices of
               a share of EMB common stock on the First Valuation Date as quoted
               on the OTC Bulletin Board or the Pink Sheets, as relevant, for
               the five trading days immediately preceding the First Valuation
               Date or, if there is no bid and asked price during such five-day
               period, the fair market value of one share of EMB common stock
               shall be deemed to the average of the closing bid and asked
               prices of EMB common stock as quoted on the OTC Bulletin Board or
               the Pink Sheets, as relevant, for the next prior trading day on
               which there was a bid and asked price. If no such bid and asked
               price is available, the Board of Directors of EMB shall make a
               good faith determination of the fair market value of one share of
               EMB common stock using any reasonable method of valuation.
               Subject to the provisions set forth in this paragraph, if, as of
               the First Valuation Date, pursuant to such method of computation,
               the EMB Shares are valued at less than $500,000, EMB shall issue
               to Seller additional restricted shares of EMB common stock (the
               "First Additional EMB Shares"), such that the aggregate value of
               one-half of the EMB Shares and the First Additional EMB Shares
               will, as of the First Valuation Date, be not less than $250,000.
               The restrictions on the First Additional EMB Shares shall be
               identical in scope and in time as the restrictions on the EMB
               Shares.

                    (ii) On March 1, 2003 (the "Second Valuation Date"), the
               value of the EMB Shares shall be determined by multiplying the
               aggregate number of EMB Shares and First Additional EMB Shares,
               if any, as may be adjusted by forward and reverse splits of the
               EMB common stock subsequent to the date of this Agreement, but
               prior to the Second Valuation Date, by the fair market value of
               one share of EMB common stock, as determined in the manner set
               forth in this Paragraph. If, as of the Second Valuation Date, the
               common stock of EMB is traded on a national securities exchange
               or the NASDAQ Stock Market, then the fair market value of one
               share of EMB common stock shall be the average of the closing
               selling prices of the EMB common stock as reported by such
               exchange or as reported on the NASDAQ Stock Market for the five
               trading days immediately preceding the Second Valuation Date, or
               if there were no sales of EMB common stock during such five-day
               period, then the fair market value of one share of EMB common
               stock shall be deemed to be the closing selling price of the EMB

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               common stock as reported by such exchange or as reported on the
               NASDAQ Market System for the next prior day on which there were
               sales of EMB common stock. If, as of the Second Valuation Date,
               EMB common stock is traded other than on a national securities
               exchange or the NASDAQ Stock Market, then the fair market value
               of one share of EMB common stock shall be the average of the
               closing bid and asked prices of a share of EMB common stock on
               the Second Valuation Date as quoted on the OTC Bulletin Board or
               the Pink Sheets, as relevant, for the five trading days
               immediately preceding the Second Valuation Date or, if there is
               no bid and asked price during such five-day period, the fair
               market value of one share of EMB common stock shall be deemed to
               the average of the closing bid and asked prices of EMB common
               stock as quoted on the OTC Bulletin Board or the Pink Sheets, as
               relevant, for the next prior trading day on which there was a bid
               and asked price. If no such bid and asked price is available, the
               Board of Directors of EMB shall make a good faith determination
               of the fair market value of one share of EMB common stock using
               any reasonable method of valuation. Subject to the provisions set
               forth in this paragraph, if, as of the Second Valuation Date,
               pursuant to such method of computation, the aggregate value of
               the EMB Shares and the First Additional EMB Shares is less than
               $500,000, EMB shall issue to Seller additional restricted shares
               of EMB common stock (the "Second Additional EMB Shares"), such
               that the aggregate value of the EMB Shares, the First Additional
               EMB Shares and the Second Additional EMB Shares will, as of the
               Second Valuation Date, be not less than $500,000. The
               restrictions on the Second Additional EMB Shares shall be
               identical in scope and in time as the restrictions on the EMB
               Shares.

                                    SECTION 3

                      REPRESENTATIONS AND WARRANTIES OF EMB
                      -------------------------------------

     EMB, in order to induce Seller to execute this Agreement and to consummate
the transactions contemplated herein, represents and warrants to Seller, as
follows:

     3.1 Organization and Qualification. EMB is a corporation duly organized,
validly existing, and in good standing under the laws of Hawaii, with all
requisite power and authority to own its property and to carry on its business
as it is now being conducted. EMB is duly qualified as a foreign corporation and
in good standing in each jurisdiction where the ownership, lease, or operation
of property or the conduct of business requires such qualification, except where
the failure to be in good standing or so qualified would not have a material,
adverse effect on the financial condition or business of EMB.

     3.2 Ownership of EMB. EMB is authorized to issue two classes of stock of up
to 30,000,000 common shares, no par value per share, of which approximately
3,029,944 are currently issued and outstanding, and of up to 5,000,000 preferred
shares, no par value per share, of which none are currently issued and
outstanding.

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     3.3 Authorization and Validity. EMB has the requisite power and is duly
authorized to execute and deliver and to carry out the terms of this Agreement.
The board of directors and stockholders of EMB have taken all action required by
law, its Articles of Incorporation and Bylaws, both as amended, or otherwise to
authorize the execution and delivery of this Agreement and the consummation of
the transactions contemplated hereby, subject to the satisfaction or waiver of
the conditions precedent set forth in Section 8 of this Agreement. Assuming this
Agreement has been approved by all action necessary on the part of Seller, this
Agreement is a valid and binding agreement of EMB.

     3.4 No Defaults. EMB is not in default under or in violation of any
provision of its Articles of Incorporation or Bylaws, both as amended. EMB is
not in default under or in violation of any material provision of any indenture,
mortgage, deed of trust, lease, loan agreement, or other agreement or instrument
to which it is a party or by which it is bound or to which any of its is
subject, if such default would have a material, adverse effect on the financial
condition or business of EMB. EMB is not in violation of any statute, law,
ordinance, order, judgment, rule, regulation, permit, franchise, or other
approval or authorization of any court or governmental agency or body having
jurisdiction over it or any of its properties which, if enforced, would have a
material, adverse effect on the financial condition or business of EMB. Neither
the execution and delivery of this Agreement, nor the consummation of the
transactions contemplated herein, will conflict with or result in a breach of or
constitute a default under any of the foregoing or result in the creation of any
lien, mortgage, pledge, charge, or encumbrance upon any asset of EMB and no
consents or waivers thereunder are required to be obtained in connection
therewith in order to consummate the transactions contemplated by this
Agreement.

     3.5 SEC Documents; Financial Statements. As of the Closing, the Company has
filed all reports, schedules, forms, statements and other documents required to
be filed by it with the SEC pursuant to the reporting requirements of the
Securities Exchange Act of 1934, as amended (the "1934 Act") (all of the
foregoing filed prior to the date hereof and all exhibits included therein and
financial statements and schedules thereto and documents incorporated by
reference therein being hereinafter referred to as the "SEC Documents"). As of
their respective dates, the SEC Documents substantially complied in all material
respects with the requirements of the 1934 Act and the rules and regulations of
the SEC promulgated thereunder applicable to the SEC Documents, and none of the
SEC Documents, at the time they were filed with the SEC, contained any untrue
statement of a material fact or omitted to state a material fact required to be
stated therein or necessary in order to make the statements therein, in light of
the circumstances under which they were made, not misleading. As of their
respective dates, the financial statements of the Company included in the SEC
Documents substantially complied as to form in all material respects with
applicable accounting requirements and the published rules and regulations of
the SEC with respect thereto. Such financial statements have been prepared in
substantial accordance with generally accepted accounting principles,
consistently applied, during the periods involved (except (i) as may be
otherwise indicated in such financial statements or the notes thereto, or (ii)
in the case of unaudited interim statements, to the extent they may exclude
footnotes or may be condensed or summary statements) and fairly present in all
material respects the financial position of the Company as of the dates thereof
and the results of its operations and cash flows for the periods then ended
(subject, in the case of unaudited statements, to normal year-end audit
adjustments). No other information provided by or on behalf of the Company to
the Buyers which is not included in the SEC Documents, including, without

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limitation, contains any untrue statement of a material fact or omits to state
any material fact necessary in order to make the statements therein, in the
light of the circumstance under which they are or were made, not misleading.
Neither the Company nor any of its officers, directors, employees or agents have
provided the Buyers with any material, nonpublic information.

     3.6 Absence of Certain Changes. Since the most recent filing by the Company
with the SEC, there has been no material adverse change and no material adverse
development in the business, properties, operations, financial condition,
results of operations or prospects of the Company. The Company has not taken any
steps, and does not currently expect to take any steps, to seek protection
pursuant to any bankruptcy law nor does the Company have any knowledge or reason
to believe that its creditors intend to initiate involuntary bankruptcy
proceedings.

     3.7 Documents. The copies of all agreements and other instruments that have
been delivered by EMB to Seller are true, correct, and complete copies of such
agreements and instruments and include all amendments thereto.

     3.8 Disclosure. The representations and warranties made by EMB herein and
in any schedule, statement, certificate, or document furnished or to be
furnished by EMB to Seller pursuant to the provisions hereof or in connection
with the transactions contemplated hereby, taken as a whole, do not and will not
as of their respective dates contain any untrue statements of a material fact,
or omit to state a material fact necessary to make the statements made not
misleading.

                                    SECTION 4

                    REPRESENTATIONS AND WARRANTIES OF SELLER
                    ----------------------------------------

     Seller, in order to induce EMB to execute this Agreement and to consummate
the transactions contemplated herein, represents and warrants to EMB as follows:

     4.1 Organization and Qualification. Saddleback is a California corporation,
duly organized, validly existing, and in good standing under the laws of the
state of California with all requisite power and authority to own its property
and assets and to carry on its business as it is now being conducted, including
the use of its business name "American National Mortgage". Saddleback is
qualified as a foreign corporation and is in good standing in each jurisdiction
where the ownership, lease, or operation of property or the conduct of its
business requires such qualification, except where the failure to be in good
standing or so qualified would not have a material, adverse effect on the
financial condition and business of Saddleback. With respect to those states in
which Saddleback, doing business as American National Mortgage, presently
conducts business as a mortgage lender, Saddleback is duly licensed or approved
to do business as a mortgage lender in each jurisdiction in which such licensing
or approval is required.

     4.2 Ownership of Saddleback Stock. Saddleback is authorized to issue one
class of stock, of up to Two Hundred Thousand (200,000) shares of common stock,
no par value per share. At the date hereof, of such authorized shares, Ten
Thousand (10,000) shares of common stock have been validly issued and are
outstanding, fully paid, and non-assessable. All of the shares of common stock

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are owned of record and beneficially by Seller. There are no options, warrants,
or other securities exercisable or convertible into or any calls, commitments,
or agreements of any kind relating to any unissued equity securities of
Saddleback.

     4.3 Authorization and Validity. Seller has the requisite power and is duly
authorized to execute and deliver and to carry out the terms of this Agreement.
Assuming this Agreement has been approved by all action necessary on the part of
EMB, this Agreement is a valid and binding agreement of Seller.

     4.4 Conduct and Transactions of Saddleback. During its current fiscal year,
Saddleback conducted the operations of its business consistent with past
practice and used its best efforts to maintain and preserve its properties, key
employees, and relationships with customers and suppliers. Without limiting the
foregoing, during such period Saddleback did not:

          (a) Incur any liabilities except to maintain its facilities and assets
     in the ordinary course of its business;

          (b) Declare or pay any dividends on any shares of capital stock or
     make any other distribution of assets to the holders thereof;

          (c) Issue, reissue, or sell, or issue options or rights to subscribe
     to, or enter into any contract or commitment to issue, reissue, or sell,
     any shares of capital stock or acquire or agree to acquire any shares of
     capital stock;

          (d) Amend its respective Articles of Incorporation or Bylaws or merge
     or consolidate with or into any other corporation or sell all or
     substantially all of its assets or change in any manner the rights of its
     capital stock or other securities;

          (e) Pay or incur any obligation or liability, direct or contingent,
     except in the ordinary course of its business;

          (f) Incur any indebtedness for borrowed money, assume, guarantee,
     endorse, or otherwise become responsible for obligations of any other
     party, or make loans or advances to any other party except in the ordinary
     course of its business;

          (g) Increase in any manner the compensation, direct or indirect, of
     any of its officers or executive employees, except as otherwise disclosed
     in Exhibit 4.5(g), hereto; or

          (h) Make any capital expenditures except in the ordinary course of its
     business.

     4.5 Compensation Due Employees. Saddleback will not have any outstanding
liability for payment of wages, payroll taxes, vacation pay (whether accrued or
otherwise), salaries, bonuses, pensions, contributions under any employee
benefit plans or other compensation, current or deferred, under any labor or
employment contracts, whether oral or written, based upon or accruing in respect
of those services of employees of Saddleback that have been performed prior to
the Closing Date, except as specified on Exhibit 4.7 hereto. On the Closing
Date, Saddleback will not have any unfunded, contingent or other liability under
any defined benefits plan or any other retirement or retirement-type plan,
whether such plan(s) are to continue or are thereupon terminated, except for the

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normal on-going obligations for future contributions under such plan(s) not
related, generally or specifically, to the termination of such plan(s) or except
as specified on Exhibit 4.5 hereto.

     4.6 Union Agreements and Employment Agreements. Saddleback is not a party
to any union agreement or any organized labor dispute. Saddleback has no written
or verbal employment agreements with any of its employees, except as listed in
Exhibit 4.6 hereto.

     4.7 Contracts and Leases. Except as listed in Exhibit 4.7 hereto,
Saddleback is not a party to any written or oral leases, commitments, or any
other agreements. On the Closing Date, Saddleback has paid or performed in all
material respects all obligations required to be paid or performed by it to such
date and will not be in default under any document, contract, agreement, lease,
or other commitment to which it is a party.

     4.8 Insurance. All insurance against losses or damages or other risks which
are in force for the benefit of Saddleback are set forth in Exhibit 4.8 hereto.

     4.9 Liabilities. Saddleback has no liabilities, except as described in
Exhibit 4.9 hereto.

     4.10 Proprietary Rights. Saddleback owns or is duly licensed to use such
trademarks and copyrights as are necessary to conduct its business as presently
conducted. The conduct of business by Saddleback does not, to the best knowledge
of Saddleback, infringe upon the trademarks or copyrights of any third party.
Saddleback owns the rights to the fictitious business name in all jurisdictions
in which it is presently operating.

     4.11 Internal Controls.

          (a) There have been no transactions except in accordance with
     management's general or specific authorization.

          (b) Saddleback has devised and maintained respective systems of
     internal accounting controls sufficient to provide reasonable assurances
     that transactions are recorded as necessary (I) to permit preparation of
     financial statements in conformity with generally accepted accounting
     principles and (ii) to maintain accountability for assets and expenses.

     4.12 Contracts and Agreements. Saddleback is not a party to any material
contracts or agreements in respect of the operation of its business, except as
listed in Exhibit 4.12 hereto.

     4.13 Minute Books. The minute books of Saddleback contain true, complete,
and accurate records of all meetings and other corporate actions of its
shareholders and Board of Directors, and true and accurate copies thereof have
been delivered to counsel for EMB prior to the Closing Date. The signatures
appearing on all documents contained therein are the true signatures of the
persons purporting to have signed the same.

     4.14 Litigation. Except as set forth in Exhibit 4.14, there are no actions,
suits, proceedings, orders, investigations, or claims (whether or not
purportedly on behalf of Saddleback) pending against or affecting Saddleback at
law or in equity or before or by any federal, state, municipal, or other

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governmental department, commission, board, agency, or instrumentality, domestic
or foreign, nor has any such action, suit, proceeding, or investigation been
pending or threatened in writing during the 12-month period preceding the date
hereof, which, if adversely determined, would materially and adversely affect
the financial condition of Saddleback or which seeks to prohibit, restrict, or
delay the consummation of the stock sale contemplated hereby. Saddleback is not
operating under or subject to, or in default with respect to, any order, writ,
injunction, or decree of any court or federal, state, municipal, or other
governmental department, commission, board, agency, or instrumentality.

     4.15 Taxes. At the Closing Date, all tax returns required to be filed with
respect to the operations or assets of each of Saddleback prior to Closing Date
have been correctly prepared in all material respects and timely filed, and all
taxes required to be paid in respect of the periods covered by such returns have
been paid in full or adequate reserves have been established for the payment of
such taxes. Except as set forth in Exhibit 4.15, as of the Closing Date,
Saddleback has not requested any extension of time within which to file any tax
returns, and all known deficiencies for any tax, assessment, or governmental
charge or duty shall have been paid in full or adequate reserves have been
established for the payment of such taxes. The Saddleback Tax Returns are true
and complete in all material respects. No audits by federal or state authorities
are currently pending or threatened.

     4.16 No Defaults. Saddleback is not in default under or in violation of any
provision of its Articles of Incorporation or Bylaws. Saddleback is not in
default under or in violation of any material provision of any indenture,
mortgage, deed of trust, lease, loan agreement, or other agreement or instrument
to which it is a party or by which it is bound or to which any of its is
subject, if such default would have a material, adverse effect on the financial
condition or business of Saddleback. Saddleback is not in violation of any
statute, law, ordinance, order, judgment, rule, regulation, permit, franchise,
or other approval or authorization of any court or governmental agency or body
having jurisdiction over it or any of its properties which, if enforced, would
have a material, adverse effect on the financial condition or business of
Saddleback. Neither the execution and delivery of this Agreement, nor the
consummation of the transactions contemplated herein, will conflict with or
result in a breach of or constitute a default under any of the foregoing or
result in the creation of any lien, mortgage, pledge, charge, or encumbrance
upon any asset of Saddleback and no consents or waivers thereunder are required
to be obtained in connection therewith in order to consummate the transactions
contemplated by this Agreement.

     4.17 Documents. The copies of all agreements and other instruments that
have been delivered by Seller to EMB are true, correct, and complete copies of
such agreements and instruments and include all amendments thereto.

     4.18 Disclosure. The representations and warranties made by Seller herein
and in any schedule, statement, certificate, or document furnished or to be
furnished by Saddleback and/or Seller to EMB pursuant to the provisions hereof
or in connection with the transactions contemplated hereby taken as a whole do
not and will not as of their respective dates contain any untrue statements of a
material fact, or omit to state a material fact necessary to make the statements
made not misleading.

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<PAGE>

                                    SECTION 5

                          INVESTIGATION; PRESS RELEASE
                          ----------------------------

     5.1 Investigation.

          (a) EMB acknowledges that it has made an investigation of Saddleback
     to confirm, among other things, the assets, liabilities, and status of
     business of Saddleback and the cash position, accounts receivable,
     liabilities, and mortgages in process. In the event of termination of this
     Agreement, EMB will deliver to Seller all documents, work papers, and other
     materials and all copies thereof obtained by EMB, or on its behalf, from
     Saddleback or Seller, whether obtained before or after the execution
     hereof, will not use, directly or indirectly, any confidential information
     obtained from Saddleback or Seller hereunder or in connection herewith, and
     will keep all such information confidential and not used in any way
     detrimental to Saddleback or Seller except to the extent the same is
     publicly disclosed by Saddleback or Seller.

          (b) Seller acknowledges that it has made an investigation of EMB,
     which has included, among other things, the opportunity of discussions with
     executive officers of EMB, and its accountants, investment bankers, and
     counsel. In the event of termination of this Agreement, Seller will deliver
     to EMB all documents, work papers, and other materials and all copies
     thereof obtained by it, or on its behalf, from EMB, whether obtained before
     or after the execution hereof and will not use, directly or indirectly, any
     confidential information obtained from EMB hereunder or in connection
     herewith, and will keep all such information confidential and not used in
     any way detrimental to EMB, except to the extent the same is publicly
     disclosed by EMB.

          (c) Except in the event that any party hereto discovers in the course
     of its respective investigation any breach of a representation or warranty
     by the other party hereto and does not disclose it to such other party
     prior to the Closing Date, no investigation pursuant to this Section 5.1
     shall affect or be deemed to modify any representation or warranty made by
     any party hereto.

     5.2 Press Release. EMB and Seller shall agree with each other as to the
form and substance of any press releases and the filing of any documents with
any federal or state agency related to this Agreement and the transactions
contemplated hereby and shall consult with each other as to the form and
substance of other public disclosures related thereto; provided, however, that
nothing contained herein shall prohibit either party from making any disclosure
that its counsel deems necessary.

                                    SECTION 6

                                    BROKERAGE
                                    ---------

     6.1 Brokers and Finders. Except as set forth in Exhibit 6.1, neither EMB
nor Seller, or any of their respective officers, directors, employees, or
agents, has employed any broker, finder, or financial advisor or incurred any
liability for any fee or commissions in connection with initiating the

                                       11

<PAGE>

transactions contemplated herein. Each party hereto agrees to indemnify and hold
the other party harmless against or in respect of any commissions, finder's
fees, or brokerage fees incurred or alleged to have been incurred with respect
to initiating the transactions contemplated herein as a result of any action of
the indemnifying party.

                                    SECTION 7

                       CLOSING AGREEMENTS AND POST-CLOSING
                       -----------------------------------

     7.1 Closing Agreements. On the Closing Date, the following activities shall
occur, the following agreements shall be executed and delivered, and the
respective parties thereto shall have performed all acts that are required by
the terms of such activities and agreements to have been performed
simultaneously with the execution and delivery thereof as of the Closing Date:

          (a) Seller shall have executed and delivered documents to EMB
     sufficient then and there to transfer record and beneficial ownership to
     EMB of the Saddleback Stock, consisting up 10,000 shares of common stock of
     Saddleback;

          (b) EMB shall have delivered to Seller the EMB Shares, consisting up
     Five Hundred Thousand (500,000) shares of EMB common stock;

          (c) EMB shall have delivered the duly executed EMB Note to Seller; and

          (d) Seller and EMB shall have executed the Security Agreement and the
     Collateral Agent Agreement.

                                    SECTION 8

               CONDITIONS PRECEDENT TO EMB'S OBLIGATIONS TO CLOSE
               --------------------------------------------------

     The obligations of EMB to consummate this Agreement are subject to
satisfaction on or prior to the Closing Date of the following conditions:

     8.1 Representations and Warranties. The representations and warranties of
Seller contained in this Agreement shall be true and correct in all material
respects on and as of the Closing Date, and Seller shall have performed in all
material respects all of his obligations hereunder theretofore to be performed.

     8.2 Other. The joint conditions precedent in Section 10 hereof shall have
been satisfied and all documents required for Closing shall be acceptable to
Counsel for EMB.

                                       12

<PAGE>

                                    SECTION 9

              CONDITIONS PRECEDENT TO SELLER'S OBLIGATIONS TO CLOSE
              -----------------------------------------------------

     The obligation of Seller to consummate this Agreement is subject to the
satisfaction on or prior to the Closing Date of the following conditions:

     9.1 Representations and Warranties. The representations and warranties of
EMB contained in this Agreement shall be true and correct in all material
respects on and as of the Closing Date, and EMB shall have performed in all
material respects all of its obligations hereunder theretofore to be performed.

     9.2 Other. The joint conditions precedent in Section 10 hereof shall have
been satisfied.

                                   SECTION 10

                           JOINT CONDITIONS PRECEDENT
                           --------------------------

     The obligations of EMB and Seller to consummate this Agreement shall be
subject to satisfaction or waiver in writing by all parties of each and all of
the following additional conditions precedent at or prior to the Closing Date:

     10.1 Other Agreements. All of the agreements contemplated by Section 7.1 of
this Agreement shall have been executed and delivered, and all acts required to
be performed thereunder as of the Closing Date shall have been duly performed,
including, without limitation, completion of all exhibits to this Agreement.

     10.2 Absence of Litigation. At the Closing Date, there shall be no action,
suit, or proceeding pending or threatened against any of the parties hereto by
any person, governmental agency, or subdivision thereof, nor shall there be
pending or threatened any action in any court or administrative tribunal, which
would have the effect of inhibiting the consummation of the transactions
contemplated herein.

                                   SECTION 11

                                 CONFIDENTIALITY
                                 ---------------

     11.1 EMB acknowledges that its principals have, and will, acquire
information and materials from Seller and/or Saddleback and knowledge about the
technology, business, products, strategies, customers, clients and suppliers of
the Saddleback and that all such information, materials and knowledge acquired,
are and will be trade secrets and confidential and proprietary information of
Saddleback (collectively, such acquired information, materials, and knowledge
are the "Confidential Information"). EMB, itself, and behalf of its principals,
covenants to hold such Confidential Information in strict confidence, not to
disclose it to others or use it in any way, commercially or otherwise, except in
connection with the transactions contemplated by this Agreement and not to allow
any unauthorized person access to such Confidential Information.

                                       13

<PAGE>

     11.2 The Confidential Information disclosed by the Seller or Saddleback to
EMB shall remain the property of the disclosing party.

     11.3 EMB, and principals, shall maintain in secrecy all Confidential
Information disclosed to them by Seller or Saddleback using not less than
reasonable care. EMB, and its principals, shall not use or disclose in any
manner to any third party any Confidential Information without the express
written consent of the Seller unless or until the Confidential Information is:

          (a) publicly available or otherwise in the public domain; or

          (b) rightfully obtained by any third party without restriction; or

          (c) disclosed by Seller or Saddleback without restriction pursuant to
     judicial action, or government regulations or other requirements.

     11.4 The obligations of EMB under Sections 11.1, 11.2, and 11.3 of this
Agreement shall expire one year from the date hereof as to Confidential
Information consisting of commercial and financial information and two years
from the date hereof as to Confidential Information consisting of technical
information. For this purpose, technical information shall include without
limitation all developments, inventions, innovations, designs, discoveries,
trade secrets and know-how, whether or not patentable or copyrightable.

                                   SECTION 12

                             TERMINATION AND WAIVER
                             ----------------------

     12.1 Termination. This Agreement may be terminated and abandoned on the
Closing Date by:

          (a) the mutual consent in writing of the parties hereto;

          (b) EMB, if the conditions precedent in Sections 8 and 10 of this
     Agreement have not been satisfied or waived by the Closing Date; and

          (c) Seller, if the conditions precedent in Sections 9 and 10 of this
     Agreement have not been satisfied or waived by the Closing Date.

     If this Agreement is terminated pursuant to Section 12.1, the parties
hereto shall not have any further obligations under this Agreement, and each
party shall bear all costs and expenses incurred by it.

                                       14

<PAGE>

                                   SECTION 13

                  NATURE AND SURVIVAL OF REPRESENTATIONS, ETC.
                  --------------------------------------------

     13.1 All statements contained in any certificate or other instrument
delivered by or on behalf of EMB or Seller pursuant to this Agreement or in
connection with the transactions contemplated hereby shall be deemed
representations and warranties by such party. All representations and warranties
and agreements made by EMB or Seller in this Agreement or pursuant hereto shall
survive the Closing Date hereunder until the expiration of the 12th month
following the Closing Date.

                                   SECTION 14

                                  MISCELLANEOUS
                                  -------------

     14.1 Notices. Any notices or other communications required or permitted
hereunder shall be sufficiently given if written and delivered in person or sent
by registered mail, postage prepaid, addressed as follows:

          to Seller:                        William R. Parker
                                            835 South Broadway
                                            Santa Ana, California 92704

          to EMB:                           EMB Corporation
                                            Attention:  Chief Executive Officer
                                            5075 Warner Avenue
                                            Suite B
                                            Huntington Beach, California 92649

          copy to:                          Bryan Cave LLP
          (which shall not                  Attention:  Randolf W. Katz, Esq.
          Constitute notice)                2020 Main Street, Suite 600
                                            Irvine, California 92614

or such other address as shall be furnished in writing by the appropriate
person, and any such notice or communication shall be deemed to have been given
as of the date so mailed.

     14.2 Time of the Essence. Time shall be of the essence of this Agreement.

     14.3 Costs. Each party will bear the costs and expenses incurred by it in
connection with this Agreement and the transactions contemplated hereby.

     14.4 Cancellation of Agreement. In the event that this Agreement is
canceled by mutual agreement of the parties or by failures of any of the
conditions precedent set forth in Paragraphs 8, 9 and 10, neither Seller nor EMB
shall be entitled to any damages, fees, costs or other consideration.

     14.5 Entire Agreement and Amendment. This Agreement and documents delivered
at the Closing Date hereunder contain the entire agreement between the parties
hereto with respect to the transactions contemplated by this Agreement and

                                       15

<PAGE>

supersedes all other agreements, written or oral, with respect thereto. This
Agreement may be amended or modified in whole or in part, and any rights
hereunder may be waived, only by an agreement in writing, duly and validly
executed in the same manner as this Agreement or by the party against whom the
waiver would be asserted. The waiver of any right hereunder shall be effective
only with respect to the matter specifically waived and shall not act as a
continuing waiver unless it so states by its terms.

     14.6 Counterparts. This Agreement may be executed in one or more
counterparts each of which shall be deemed to constitute an original and shall
become effective when one or more counterparts have been signed by each party
hereto and delivered to the other party.

     14.7 Governing Law. This Agreement shall be governed by, and construed and
interpreted in accordance with, the laws of the State of California.

     14.8 Attorneys' Fees and Costs. In the event any party to this Agreement
shall be required to initiate legal proceedings to enforce performance of any
term or condition of this Agreement, including, but not limited to, the
interpretation of any term or provision hereof, the payment of moneys or the
enjoining of any action prohibited hereunder, the prevailing party shall be
entitled to recover such sums, in addition to any other damages or compensation
received, as will reimburse the prevailing party for reasonable attorneys' fees
and court costs incurred on account thereof (including, without limitation, the
costs of any appeal) notwithstanding the nature of the claim or cause of action
asserted by the prevailing party.

     14.9 Successors and Assigns. This Agreement shall inure to the benefit of
and be binding upon the parties hereto and their respective heirs, executors,
personal representatives, successors, and assigns, as the case may be.

     14.10 Access to Counsel. Each party hereto acknowledges that each has had
access to legal counsel of her or its own choice and has obtained such advice
therefrom, if any, as such party has deemed necessary and sufficient prior to
the execution hereof. Each party hereto acknowledges that the drafting of this
Agreement has been a joint effort and any ambiguities or interpretative issues
that may arise from and after the execution hereof shall not be decided in favor
or, or against, any party hereto because the language reflecting any such
ambiguities or issues may have been drafted by any specific party or her or its
counsel.

     14.11 Captions. The captions appearing in this Agreement are inserted for
convenience of reference only and shall not affect the interpretation of this
Agreement.

                            [SIGNATURE PAGE FOLLOWS]

                                       16

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the day and year first above written.

EMB CORPORATION

By:  /s/  James E. Shipley
   -------------------------------
          James E. Shipley
          Chairman and CEO

/s/  William R. Parker
----------------------------------
     William R. Parker

                                       17EXHIBIT 10.11

     THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933 OR THE
SECURITIES LAWS OF ANY STATE AND MAY NOT BE SOLD, TRANSFERRED, OR PLEDGED IN THE
ABSENCE OF AN EFFECTIVE REGISTRATION STATEMENT UNDER SUCH ACT AND STATUTES OR,
UNLESS PRIOR TO ANY SALE, TRANSFER, OR PLEDGE, THE ISSUER RECEIVES AN OPINION OF
COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO IT, THAT REGISTRATION IS NOT
REQUIRED UNDER SUCH ACT AND STATUTES AND THE RULES PROMULGATED THEREUNDER.

                             SECURED PROMISSORY NOTE

$100,000.00                                                        July 24, 2001

     For value received, the undersigned, EMB CORPORATION, a Hawaii corporation
(the "Company") hereby promises to pay to the order of WILLIAM R. PARKER, an
individual, his successors and assigns (the "Holder"), in lawful money of the
United States of America, the principal sum of One Hundred Thousand Dollars
($100,000.00).

                                   Background
                                   ----------

     The Company purchased all of the outstanding common stock of Saddleback
Investment Services, Inc. ("Saddleback") from the Holder. The principal amount
of this Note represents the cash portion of the purchase price due Holder
pursuant to the Purchase Agreement by and between Company and the Holder of even
date hereof (the "Purchase Agreement"). In connection with this Note, the
parties are entering a Security Agreement pursuant to which the Company is
delivering Uniform Commercial Code Financing Statements to the Holder and taking
such other actions as are provided for herein.

                              Terms and Conditions
                              --------------------

     1.   Payment of Principal.

     The entire principal amount of this Note, together with interest at the
rate of six percent (6%) per annum, shall be due payable, in full, to the Holder
on March 1, 2003; provided, however, that the Company, at its sole option, and
without further consideration to the Holder, may elect to extend the due date of
this Note to a date not later than September 30, 2003.

     2.   Security Interest.

          (a) To secure payment and performance of the Company's duties and
obligations under this Note the Company hereby pledges, assigns, transfers and
grants to the Holder a continuing security interest in the 10,000 shares of
common stock of Saddleback (the "Collateral Shares") that were acquired by the
Company pursuant to the Purchase Agreement. This continuing security interest is
granted in accordance with that certain Security Agreement between the parties
attached hereto as Exhibit I (the "Security Agreement"), the terms of which are
incorporated herein by reference and in connection with which the Company hereby
delivers (x) to the Holder, Uniform Commercial Code financing statements which

                                       1

<PAGE>

the Holder is hereby authorized to file and (y) to Randolf W. Katz, Esq. of
Bryan Cave LLP as collateral agent (the "Collateral Agent") a certificate
representing the Collateral Shares.

          (b) As set forth in the Security Agreement, the Holder's right to
exercise its rights as a secured creditor of the Company in respect of the
Collateral Shares arises upon any Event of Default under Section 3 hereof.

          (c) The Collateral Agent shall be deemed authorized and directed to
complete the name of the Holder on the certificates representing any of the
Collateral Shares as to which the Holder shall be entitled in an Event of
Default consistent with the provisions of this Note and the Security Agreement.

          (d) The Holder acknowledges that the Collateral Agent is counsel to
the Company and acknowledges and agrees that the Collateral Agent may continue
to represent the Company in all matters including without limitation matters
involving this Note and the indebtedness represented hereby, save only as may
pertain to any dispute arising out of the Collateral Agent's obligations under
this Section 2. The Holder acknowledges that Collateral Agent's duties to it are
limited to those expressly set forth in Section 2 of this Note.

     3.   Default.

     The entire unpaid principal of this Note shall become and be immediately
due and payable and issuable upon written demand of Holder, without any other
notice (except as may otherwise be set forth hereinbelow) or demand of any kind
or any presentment or protest, if any one of the following events (each an
"Event of Default") shall occur and be continuing at the time of such demand,
whether voluntarily or involuntarily, or, without limitation, occurring or
brought about by operation of law or pursuant to or in compliance with any
judgment, decree or order of any court or any order, rule or regulation of any
governmental body:

          (a) If the Company defaults in the payment of any principal due under
this Note, and any default shall remain unremedied for fifteen (15) days after
written notice of default shall have been received by the Company;

          (b) If the Company (i) makes a composition or an assignment for the
benefit of creditors or trust mortgage, (ii) applies for, consents to,
acquiesces in, files a petition seeking or admits (by answer, default or
otherwise) the material allegations of a petition filed against it seeking the
appointment of a trustee, receiver or liquidator, in bankruptcy or otherwise, of
itself or of all or a substantial portion of its assets, or a reorganization,
arrangement with creditors or other remedy, relief or adjudication available to
or against a bankrupt, insolvent or debtor under any bankruptcy or insolvency
law or any law affecting the rights of creditors generally, or (iii) admits in
writing its inability to pay its debts generally as they become due;

          (c) If an order for relief shall have been entered by a bankruptcy
court or if a decree order or judgment shall have been entered adjudging the
Company insolvent, or appointing a receiver, liquidator, custodian or trustee,
in bankruptcy or otherwise, for it or for all or a substantial portion of its
assets, or approving the winding-up or liquidation of its affairs on the grounds
of insolvency or nonpayment of debts, and such order for relief, decree, order
or judgment shall remain undischarged or unstayed for a period of forty-five
(45) days;

          (d) If the Company is dissolved or liquidated;

                                       2

<PAGE>

          (e) If any representation or warranty made by the Company in Section 3
of the Security Agreement shall prove to have been incorrect in any material
respect when made, if the same shall materially impair the Holder's rights under
this Note or the Security Agreement; or

          (f) If the Company shall fail to perform or observe any term, covenant
or agreement on its part to be performed or observed as contained in Section 4
of the Security Agreement, in each case only if such breach or default shall not
have been remedied by the end of the 15th day after written notice of breach or
default shall have been received by the Company.

     4.   Prepayment. The Company shall have the right to prepay this Note, in
whole or in part, at any time without penalty or premium. But, in no event,
shall such prepayment postpone or otherwise delay any subsequent payments that
may be due.

     5.   General

          (a) Upon receipt by the Company of evidence reasonably satisfactory to
it of the loss, theft, destruction or mutilation of this Note and of indemnity
reasonably satisfactory to it, and upon reimbursement to the Company of all
reasonable expenses incidental thereto, and upon surrender and cancellation of
this Note (in case of mutilation) the Company will make and deliver in lieu of
this Note a new Note of like tenor and unpaid principal amount and dated as of
the date to which interest has been paid on the unpaid principal amount of this
Note in lieu of which such new Note is made and delivered.

          (b) Designees for Shares. The Holder may designate persons other than
the Holder in whose names the Collateral Shares may be registered and issued.

          (c) Absence of Registration. The Holder acknowledges that none of the
Collateral Shares are registered under the Securities Act of 1933, as amended,
and agrees the Company shall have the right to require the Holder to furnish
such representations and warranties as to the Holder's investment intent as are
reasonable and customary in the issuance of unregistered stock.

          (d) Successors and Assigns. This Note, and the obligations and rights
of the Company hereunder, shall be binding upon and inure to the benefit of the
Company, Holder, and their respective successors and assigns.

          (e) Changes and Indulgences. Changes in or additions to this Note may
be made or compliance with any term, covenant, agreement, condition or provision
set forth herein may be omitted or waived (either generally or in a particular
instance and either retroactively or prospectively), only upon written consent
of the Company and the Holder. Neither the failure nor any delay on the part of
either Holder or the Company to exercise any right, remedy, power or privilege
under this Note shall operate as a waiver thereof, nor shall any single or
partial exercise of any right, remedy, power or privilege preclude any other or
further exercise of the same or of any other right, remedy, power or privilege;
nor shall any waiver of any right, remedy, power or privilege constitute a
waiver with respect to any other occurrence.

          (f) Currency. Except as otherwise set forth or expressly provided for
herein, all payments hereunder shall be made in such coin or currency of the
United States of America as at the time of payment shall be legal tender therein
for the payment of public and private debts.

                                       3

<PAGE>

          (g) Notices. All notices, requests, consents and demands shall be made
in writing and shall be delivered by facsimile to the fax number, if any, set
forth below or by hand, sent via a reputable nationwide overnight courier
service or mailed by first class certified or registered mail, return receipt
requested, postage prepaid.

     If to Holder:                          William R. Parker
                                            835 South Broadway
                                            Santa Ana, California 92704
                                            (Fax Number: 714-513-4179)

     If to Company:                         EMB Corporation
                                            Attention: Chief Executive Officer
                                            5075 Warner Avenue
                                            Suite B
                                            Huntington Beach, California 92649
                                            (Fax Number: 714-377-2123)

     With a copy to:                        Bryan Cave LLP
     (which shall not                       2020 Main Street, Suite 600
     constitute notice)                     Irvine, California 92614
                                            Attention:  Randolf W. Katz, Esquire
                                            (Fax Number: 949-223-7100)

          Notices provided in accordance with this Section 5(g) shall be deemed
delivered upon confirmation of facsimile transmission, upon personal delivery,
one business day after being sent via reputable nationwide overnight courier
service, or three business days after deposit in the United States mail.

          (h) Saturdays, Sundays, Holidays. If any date that may at any time be
specified in this Note as a date for the making of any payment of principal or
interest under this Note shall fall on Saturday, Sunday or on a day which in
Irvine, California shall be a legal holiday, then the date for the making of
that payment shall be the next subsequent day which is not a Saturday, Sunday or
legal holiday.

          (i) Governing Law. This Note shall be construed and enforced in
accordance with, and the rights of the parties shall be governed by, the laws of
the State of California, notwithstanding any conflict-of-laws doctrines of such
state or other jurisdictions to the contrary, and without the aid of any canon,
custom or rule of law requiring constructions against the draftsman. The parties
agree to submit to the jurisdiction and venue of the state and federal courts of
Orange County, California, for the purposes of resolving disputes hereunder and
authorize any such action to be instituted and prosecuted exclusively in the
Superior Court of the State of California or, if appropriate, the United States
District Court for the Central District of California.

          (j) Conflict. In the event of any conflict between the terms of this
Note and the terms of any of the Exhibits hereto, including, but not limited to,
the Security Agreement, the terms of this Note shall control.

                                       4

<PAGE>

          (k) Collection Expenses. The Company agrees to pay all costs of
collection or enforcement, including reasonable attorney's fees and legal
expenses incurred by Holder, in the event that payments are not made under this
Note as required.

          (l) Severability. If any provision of this Note is held invalid or
unenforceable, such invalidity or unenforceability shall not affect the validity
or enforceability of the other provisions of this Note, all of which are
declared severable.

          (m) Headings. The headings used in this Note are solely for
convenience of reference and shall not affect its interpretation.

          (n) Words and Phrases. Words and phrases such as "to this Note,"
"herein," "hereinafter," "hereto," "hereof," "hereby," "hereinbelow,"
"hereinabove" and "hereunder" when used with reference to this Note, refer to
this Note as a whole, unless the context otherwise requires.

          (o) Gender and Number. Wherever from the context of this Note it
appears appropriate, each term stated in either the singular or the plural shall
include the singular or the plural, and pronouns stated in either the masculine,
feminine or neuter gender, shall include the masculine, feminine and neuter.

          (s) Entire Understanding. This Note contains the entire understanding
among the parties hereto with respect to the subject matter hereof, and
supercedes all prior and contemporaneous agreements and understandings,
inducements or conditions, express or implied, oral or written, except as herein
contained. The express terms hereof control and supersede any course of
performance and/or usage of the trade inconsistent with any of the terms hereof.

          IN WITNESS WHEREOF, the Company has caused this Note to be executed on
its behalf by its duly authorized officer as of the date first above written.

                                            EMB CORPORATION

                                            By:  /s/  James E. Shipley
                                               --------------------------------
                                                      James E. Shipley
                                                      Chairman and Chief
                                                      Executive Officer

                                       5

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