Document:

Exhibit 10.24

                              TEMECULA VALLEY BANK
                             SPLIT DOLLAR AGREEMENT

       THIS AGREEMENT is adopted this 30th day of September, 2004, by and
between TEMECULA VALLEY BANK, a nationally-chartered commercial bank, located in
Temecula, California (the "Company"), and SCOTT J. WORD (the "Executive"). This
Agreement shall append the Split Dollar Endorsement entered into on even date
herewith or as subsequently amended, by and between the aforementioned parties.

                                  INTRODUCTION

       To encourage the Executive to remain an employee of the Company, the
Company is willing to divide the death proceeds of a life insurance policy on
the Executive's life. The Company will pay life insurance premiums from its
general assets.

                                    AGREEMENT

       The Company and the Executive agree as follows:

                                    Article 1
                               General Definitions

The following terms shall have the meanings specified:

     1.1 "Insured" means the Executive.

     1.2 "Insurer" means each life insurance carrier in which there is a Split
Dollar Policy Endorsement attached to this Agreement.

     1.3 "Policy" means the specific life insurance policy or policies issued by
the Insurer.

     1.4 "Salary Continuation Agreement" means that Salary Continuation
Agreement between the Company and the Executive on even date herewith or as
subsequently amended.

                                    Article 2
                           Policy Ownership/Interests

     2.1 Company Ownership. The Company is the sole owner of the Policy and
shall have the right to exercise all incidents of ownership. The Company shall
be the beneficiary of the remaining death proceeds of the Policy after the
Interest of the Executive or the Executive's transferee has been paid according
to Section 2.2 below.

     2.2 Executive's Interest. The Executive shall have the right to designate
the beneficiary of the death proceeds. The Executive shall also have the right
to elect and change settlement options that may be permitted. Upon the
termination of this Agreement pursuant to Article 7, the Executive, the
Executive's transferee or the Executive's beneficiary shall have no rights or
interests in the Policy and no death benefit shall be paid under this Section
2.2.

<PAGE>

              2.2.1 Death During Active Service. If the Executive dies while in
       the active service of the Company, the Executive's beneficiary shall
       receive $595,480 (Five Hundred Ninety-Five Thousand Four Hundred Eighty
       Dollars).

              2.2.2 Death During Payment of a Benefit under the Salary
       Continuation Agreement. If the Executive dies after any benefit payments
       have commenced under Article 2 of the Salary Continuation Agreement but
       before receiving all such payments, the Company shall cease paying the
       remaining benefit, if any, and the Executive's beneficiary shall receive
       the split dollar death benefit described in Section 2.2.1 of this
       Agreement, less payments already made to the Executive under the Salary
       Continuation Agreement.

              2.2.3 Death After Termination of Employment But Before
       Commencement of Payment under the Salary Continuation Plan. If the
       Executive is entitled to a benefit under Article 2 of the Salary
       Continuation Agreement, but dies prior to the commencement of said
       benefit payments, the Company shall pay no benefit under the Salary
       Continuation Agreement and the Executive's beneficiary shall receive the
       split dollar death benefit described in Section 2.2.1 of this Agreement.

         2.3 Comparable Coverage. Upon execution of this Agreement, the Company
shall maintain the Policy in full force and effect and in no event shall the
Company amend, terminate or otherwise abrogate the Executive's interest in the
Policy, unless the Company replaces the Policy with a comparable insurance
policy to cover the benefit provided under this Agreement and the Company and
the Executive execute a new Split Dollar Policy Endorsement for said comparable
insurance policy. The Policy or any comparable policy shall be subject to the
claims of the Company's creditors.

                                    Article 3
                                    Premiums

     3.1 Premium Payment. The Company shall pay any premiums due on the Policy.

     3.2 Economic Benefit. The Company shall determine the economic benefit
attributable to the Executive based on the amount of the current term rate for
the Executive's age multiplied by the aggregate death benefit payable to the
Executive's beneficiary. The "current term rate" is the minimum amount required
to be imputed under Revenue Rulings 64-328 and 66-110, or any subsequent
applicable authority.

     3.3 Imputed Income. The Company shall impute the economic benefit to the
Executive on an annual basis.

<PAGE>

                                    Article 4
                                   Assignment

       The Executive may assign without consideration all of the Executive's
interests in the Policy and in this Agreement to any person, entity or trust. In
the event the Executive transfers all of the Executive's interest in the Policy,
then all of the Executive's interest in the Policy and in the Agreement shall be
vested in the Executive's transferee, who shall be substituted as a party
hereunder and the Executive shall have no further interest in the Policy or in
this Agreement.

                                    Article 5
                                     Insurer

       The Insurer shall be bound only by the terms of the Policy. Any payments
the Insurer makes or actions it takes in accordance with the Policy shall fully
discharge it from all claims, suits and demands of all entities or persons. The
Insurer shall not be bound by or be deemed to have notice of the provisions of
this Agreement.

                                    Article 6
                           Claims and Review Procedure

       6.1 Claims Procedure. Any person or entity who has not received benefits
under the Agreement that he or she believes should be paid (the "claimant")
shall make a claim for such benefits as follows:

              6.1.1 Initiation - Written Claim. The claimant initiates a claim
       by submitting to the Company a written claim for the benefits.

              6.1.2 Timing of Company Response. The Company shall respond to
       such claimant within 90 days after receiving the claim. If the Company
       determines that special circumstances require additional time for
       processing the claim, the Company can extend the response period by an
       additional 90 days by notifying the claimant in writing, prior to the end
       of the initial 90-day period that an additional period is required. The
       notice of extension must set forth the special circumstances and the date
       by which the Company expects to render its decision.

              6.1.3 Notice of Decision. If the Company denies part or all of the
       claim, the Company shall notify the claimant in writing of such denial.
       The Company shall write the notification in a manner calculated to be
       understood by the claimant. The notification shall set forth:

     (a)  The specific reasons for the denial,

     (b)  A reference to the specific provisions of this Agreement on which the
          denial is based,

     (c)  A description of any additional information or material necessary for
          the claimant to perfect the claim and an explanation of why it is
          needed,

<PAGE>

     (d)  An explanation of this Agreement's review procedures and the time
          limits applicable to such procedures, and

     (e)  A statement of the claimant's right to bring a civil action under
          ERISA Section 502(a) (29 United States Code section 1132(a)) following
          an adverse benefit determination on review.

     6.2 Review Procedure. If the Company denies part or all of the claim, the
claimant shall have the opportunity for a full and fair review by the Company of
the denial, as follows:

              6.2.1 Initiation - Written Request. To initiate the review, the
       claimant, within 60 days after receiving the Company's notice of denial,
       must file with the Company a written request for review.

              6.2.2 Additional Submissions - Information Access. The claimant
       shall then have the opportunity to submit written comments, documents,
       records and other information relating to the claim. The Company shall
       also provide the claimant, upon request and free of charge, reasonable
       access to, and copies of, all documents, records and other information
       relevant (as defined in applicable ERISA regulations) to the claimant's
       claim for benefits.

              6.2.3 Considerations on Review. In considering the review, the
       Company shall take into account all materials and information the
       claimant submits relating to the claim, without regard to whether such
       information was submitted or considered in the initial benefit
       determination.

              6.2.4 Timing of Company Response. The Company shall respond in
       writing to such claimant within 60 days after receiving the request for
       review. If the Company determines that special circumstances require
       additional time for processing the claim, the Company can extend the
       response period by an additional 60 days by notifying the claimant in
       writing, prior to the end of the initial 60-day period that an additional
       period is required. The notice of extension must set forth the special
       circumstances and the date by which the Company expects to render its
       decision.

              6.2.5 Notice of Decision. The Company shall notify the claimant in
       writing of its decision on review. The Company shall write the
       notification in a manner calculated to be understood by the claimant. The
       notification shall set forth:

     (a)  The specific reasons for the denial,

     (b)  A reference to the specific provisions of this Agreement on which the
          denial is based,

     (c)  A statement that the claimant is entitled to receive, upon request and
          free of charge, reasonable access to, and copies of, all documents,
          records and other information relevant (as defined in applicable ERISA
          regulations) to the claimant's claim for benefits, and

     (d)  A statement of the claimant's right to bring a civil action under
          ERISA Section 502(a). Article 7 Amendments and Termination

<PAGE>

       7.1 This Agreement may be amended or terminated only by a written
agreement signed by the Company and the Executive. In the event that the Company
decides to maintain the Policy after the termination of the Agreement, the
Company shall be the direct beneficiary of the entire death proceeds of the
Policy.

       7.2 Notwithstanding any provision of this Agreement to the contrary, the
Company shall not pay any benefit under this Agreement if the Company terminates
the Executive's employment for:

     (a)  Willful breach of duty in the course of employment or habitual neglect
          of employment responsibilities and duties;

     (b)  Conviction of any felony or crime involving moral turpitude, fraud or
          dishonesty;

     (c)  Willful violation of any state or federal banking or securities law,
          the rules or regulations of any banking agency, or any material
          Company rule, policy or resolution resulting in an adverse effect on
          the Company; or

     (d)  Disclosure to any third party by the Executive, without authority or
          permission, of any secret or confidential information of the Company.

       7.3 Suicide or Misstatement. The Company shall not pay any benefit under
this Agreement if the Executive commits suicide within three years after the
date of this Agreement. In addition, the Company shall not pay any benefit under
this Agreement if the Executive has made any material misstatement of fact on an
employment application or resume provided to the Company, or on any application
for any benefits provided by the Company to the Executive.

                                    Article 8
                                  Miscellaneous

     8.1 Binding Effect. This Agreement shall bind the Executive and the Company
and their beneficiaries, survivors, executors, administrators and transferees,
and any Policy beneficiary.

     8.2 No Guarantee of Employment. This Agreement is not an employment policy
or contract. It does not give the Executive the right to remain an employee of
the Company, nor does it interfere with the Company's right to discharge the
Executive. It also does not require the Executive to remain an employee nor
interfere with the Executive's right to terminate employment at any time.

     8.3 Applicable Law. The Agreement and all rights hereunder shall be
governed by and construed according to the laws of the State of California,
except to the extent preempted by the laws of the United States of America.

     8.4 Reorganization. The Company shall not merge or consolidate into or with
another company, or reorganize, or sell substantially all of its assets to
another company, firm or person unless such succeeding or continuing company,
firm or person agrees to assume and discharge the obligations of the Company.

<PAGE>

     8.5 Notice. Any notice, consent or demand required or permitted to be given
under the provisions of this Split Dollar Agreement by one party to another
shall be in writing, shall be signed by the party giving or making the same, and
may be given either by delivering the same to such other party personally, or by
mailing the same, by United States certified mail, postage prepaid, to such
party, addressed to his or her last known address as shown on the records of the
Company. The date of such mailing shall be deemed the date of such mailed
notice, consent or demand.

     8.6 Entire Agreement. This Agreement constitutes the entire agreement
between the Company and the Executive as to the subject matter hereof. No rights
are granted to the Executive by virtue of this Agreement other than those
specifically set forth herein.

     8.7 Administration. The Company shall have powers which are necessary to
administer this Agreement, including but not limited to:

     (a)  Interpreting the provisions of this Agreement;

     (b)  Establishing and revising the method of accounting for this Agreement;

     (c)  Maintaining a record of benefit payments; and

     (d)  Establishing rules and prescribing any forms necessary or desirable to
          administer this Agreement.

       8.8 Named Fiduciary. The Company shall be the named fiduciary and
administrator under the Agreement. The named fiduciary may delegate to others
certain aspects of the management and operation responsibilities of the plan
including the employment of advisors and the delegation of ministerial duties to
qualified individuals.

       IN WITNESS WHEREOF, the Executive and the Company consent to this
Agreement on the date above written.

EXECUTIVE:                    COMPANY:
                              TEMECULA VALLEY BANK

/s/ Scott J. Word             By    /s/ Donald A. Pitcher
-----------------                   ---------------------
Scott J. Word                 Title Executive Vice PresidentExhibit 10.2

[LOGO OMITTED]

August 31, 2004

ION NETWORKS, INC.
120 CORPORATE BLVD.
SUITE A
SOUTH PLAINFIELD, NJ 07080

T: +1 908 546 3900
F: +1 908 546 3091
TF: 800 722 8986

Henry A. Hill
337 Beach Front
Manasquan, NJ  08736

Dear Henry:

We are  pleased to extend  this  offer to you for the  position  of SENIOR  VICE
PRESIDENT,  TECHNICAL  SERVICES,  reporting to Norman Corn, CEO.  Details are as
follows:

BASE SALARY AND BONUS
You will  receive an  annualized  base salary of  $150,000  (one  hundred  fifty
thousand dollars), paid semi-monthly. You will also be eligible for an incentive
bonus based on Company performance. For calendar year 2004, you will be eligible
for a bonus amount not to exceed $7,500. Thereafter, you will be eligible for an
annualized bonus of up to $20,000.

STOCK OPTIONS
The Board of Directors, on August 27, 2004, approved a one-time award of 500,000
Stock  Options.  The term of these options will be 5 years with vesting over the
first three years as follows: 34% of the number of shares subject to each option
grant shall vest 12 months from the date of grant,  and the  remaining 66% shall
vest  at a rate  of  8.25%  per  three  month  period  following  the  12  month
anniversary of the grant.  The complete details will be supplied to you with the
actual option grant.

BENEFITS
You will be  eligible  for  benefit  coverage  commencing  on your  first day of
employment. Benefits include medical, dental, vision, Rx, life insurance with an
AD&D provision and long and short-term  disability  insurance.  You will also be
eligible to enroll in our 401(k) plan.

VACATION
You will be  eligible  for  three  weeks'  paid  vacation  annually,  as per the
Company's  policy.  Vacation is accrued on a monthly basis and will be pro-rated
for your first calendar year of employment.

<PAGE>
[LOGO OMITTED]

SEVERENCE
Your  employment  may be terminated at any time  immediately  upon notice by the
Company,  without "Cause". If you are terminated by the Company without "Cause",
you shall be entitled to a  severance  payment  equal to a payment of salary for
the next 6 months as if the Agreement had not been  terminated.  You and Company
agree that such severance payment shall also constitute  liquidated  damages and
is a  reasonable  approximation  of  Employee's  damages  as a  result  of  such
termination.

For the purpose of this document,  "Cause" shall be defined as (1) conviction of
a felony,  or (2) acts of dishonesty or moral  turpitude  constituting  fraud or
embezzlement  or  otherwise  materially  adversely  affecting  the  business  or
properties  of the  Company  and/or  its  Affiliates;  (3)  failure  to obey the
reasonable and lawful  directions of the Chief Executive  Officer;  (4) repeated
negligence  by the  Employee  in the  performance  of, or willful  disregard  by
Employee of his obligations under this Agreement; or (5) if Employee is indicted
for a criminal violation of security laws.

ION  Networks,  Inc.  is an "at will"  employer  and as a result the  employment
relationship  will be "at will", and may be terminated by either the employee or
the  company at any time,  with or  without  cause,  unless a  specific  written
agreement,  approved by the CEO of ION Networks,  Inc. is  subsequently  entered
into with you. It should also be understood that this letter does not constitute
a contract of employment or an agreement of employment  for any specific  period
of time.

We are  delighted at the prospect of your joining our team here at ION Networks,
Inc.  and  look  forward  to  establishing  what I am sure  will  be a  mutually
rewarding  business  relationship.  Should you have any questions  regarding the
specifics of this offer, please do not hesitate to call me.

Please  indicate your acceptance by signing and returning a copy of this letter,
the Incentive Compensation Plan and the Non-Disclosure/Non-Compete.

Sincerely,
                                          ACCEPTED

Norman E. Corn                   ----------------------------------------
Chief Executive Officer          HENRY A. HILL                       DATE

                                            8-31-04
                                          START DATE

Encl:    Non-Disclosure/Non-Compete Agreement
         Benefit Package

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