Document:

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                                                                   EXHIBIT 10.13

                                PROMISSORY NOTE
                                ---------------

          $1,412,040.80                               San Francisco, California
                                                               November 1, 1999

          For value received, the undersigned promises to pay Aeneid
Corporation, a California corporation (the "Company"), at its principal office
                                            -------
the principal sum of $1,412,040.80 with interest from the date hereof at a rate
of 6.08% per annum, compounded annually, on the unpaid balance of such principal
sum.  Such principal and interest shall be due and payable on November 1, 2004.

          Principal and interest are payable in lawful money of the United
States of America. AMOUNTS DUE UNDER THIS NOTE MAY BE PREPAID AT ANY TIME
WITHOUT PREMIUM OR PENALTY.

          Should suit be commenced to collect any sums due under this Note, such
sum as the Court may deem reasonable shall be added hereto as attorneys' fees.
The makers and endorsers have severally waived presentment for payment, protest,
notice of protest and notice of nonpayment of this Note.

          This Note, which is full recourse, is secured by a pledge of certain
shares of Common Stock of the Company and is subject to the terms of a Pledge
and Security Agreement between the undersigned and the Company of even date
herewith.

          In the event that any one or more provisions of this Note shall be
held to be illegal, invalid or otherwise unenforceable, the same shall not
affect any other provision of this Note, and the remaining provisions of this
Note shall remain in full force and effect.

          This Note shall be governed by, and construed in accordance with, the
laws of the State of California without regard to conflicts of laws principles.

           /s/ Douglas S. Bennett
          -----------------------------
          Douglas S. Bennett<PAGE>

                                                                 EXHIBIT 10.14

                         PLEDGE AND SECURITY AGREEMENT
                         -----------------------------

          This Pledge and Security Agreement (the "Agreement") is entered into
                                                   ---------
as of January 28, 2000 by and between Aeneid Corporation, a California
corporation (the "Company") and Robert Ainsbury ("Borrower").
                  -------                         --------

                                    RECITALS
                                    --------

          In connection with a non-recourse promissory note of even date
herewith (the "Note") by Borrower in favor of the Company, the Company requires
               ----
that the Note be secured by a pledge of 63,292 shares of the Company's Common
Stock owned by the Borrower (the "Shares") on the terms set forth below.
                                  ------

                                   AGREEMENT
                                   ---------

          In consideration of the Company's acceptance of the Note, and for
other good and valuable consideration, the receipt of which is hereby
acknowledged, the parties hereto agree as follows:

          1.  The Note shall become payable in full on January 28, 2003.

          2.  Borrower shall deliver to the Secretary of the Company, or his or
her designee (hereinafter referred to as the "Pledge Holder"), all certificates
                                              -------------
representing the Shares, together with an Assignment Separate from Certificate
in the form attached to this Agreement as Attachment A executed by Borrower and
                                          ------------
by Borrower's spouse (if required for transfer), in blank, for use in
transferring all or a portion of the Shares to the Company if, as and when
required pursuant to this Agreement.  In addition, if Borrower is married,
Borrower's spouse shall execute the signature page attached to this Agreement.

          3.  As security for the payment of the Note and any renewal, extension
or modification of the Note, Borrower hereby grants to the Company a security
interest in and pledges with and delivers to the Company the Shares (sometimes
referred to herein as the "Collateral").
                           ----------

          4.  In the event that Borrower repays a portion of the Note, in
accordance with the provisions thereof, Borrower intends, unless written notice
to the contrary is delivered to the Pledge Holder, that the Shares represented
by the portion of the Note so repaid, including annual interest thereon, shall
continue to be so held by the Pledge Holder, to serve as independent collateral
for the outstanding portion of the Note.

          5.  In the event of any foreclosure of the security interest created
by this Agreement, the Company may sell the Shares at a private sale or may
repurchase the Shares itself.  The parties agree that, prior to the
establishment of a public market for the Shares of the Company, the securities
laws affecting sale of the Shares make a public sale of the Shares commercially
unreasonable.  The parties further agree that the repurchasing of such Shares by
the Company, or
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by any person to whom the Company may have assigned its rights under this
Agreement, is commercially reasonable if made at a price determined by the Board
of Directors in its discretion, fairly exercised, representing what would be the
fair market value of the Shares, reduced by any limitation on transferability,
whether due to the size of the block of shares or the restrictions of applicable
securities laws.

          6.   In the event of default in payment when due of any indebtedness
under the Note, the Company may elect then, or at any time thereafter, to
exercise all rights available to a secured party under the California Commercial
Code, including the right to sell the Collateral at a private or public sale or
repurchase the Shares as provided above.  The proceeds of any sale shall be
applied in the following order:

               (a)  To the extent necessary, proceeds shall be used to pay all
reasonable expenses of the Company in enforcing this Agreement and the Note,
including, without limitation, reasonable attorney's fees and legal expenses
incurred by the Company.

               (b)  To the extent necessary, proceeds shall be used to satisfy
any remaining indebtedness under Borrower's Note.

               (c)  Any remaining proceeds shall be delivered to Borrower.

          7.   Upon full payment by Borrower of all amounts due under the Note,
Pledge Holder shall deliver to Borrower all Shares in Pledge Holder's possession
belonging to Borrower, and Pledge Holder shall thereupon be discharged of all
further obligations under this Agreement.

          8.   This Agreement shall be governed by, and construed in accordance
with, the laws of the State of California without regard to conflicts of laws
principles.
                                      -2-
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     The parties have executed this Pledge and Security Agreement as of the date
first set forth above.

                              COMPANY:

                              AENEID CORPORATION

                              By: /s/ Douglas S. Bennett
                                  --------------------------
                              Name: Douglas S. Bennett
                                    ------------------------
                                    (print)

                              Title:  President
                                     -----------------------
                              Address:

                              282 2/nd/ Street, Suite 300
                              San Francisco, CA 94105

                              BORROWER:

                              ROBERT AINSBURY

                                /s/ Robert Ainsbury
                              -----------------------------
                              (Signature)

                              Address:

                              415 Colon Avenue
                              -----------------------------
                              San Francisco CA 94127
                              -----------------------------

                                      -3-
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                                  ATTACHMENT A
                                  ------------

                      ASSIGNMENT SEPARATE FROM CERTIFICATE
                      ------------------------------------

          FOR VALUE RECEIVED and pursuant to that certain Pledge and Security
Agreement between the undersigned ("Borrower") and Aeneid Corporation (the
                                    --------
"Company") dated January 28, 2000 (the "Agreement"), Borrower hereby sells,
 -------                                ---------
assigns and transfers unto the Company _____________________________ (________)
shares of the Common Stock of the Company standing in Borrower's name on the
books of the Company and represented by Certificate No. ___, and hereby
irrevocably appoints _____________________________ to transfer said stock on the
books of the Company with full power of substitution in the premises.  THIS
ASSIGNMENT MAY ONLY BE USED AS AUTHORIZED BY THE AGREEMENT AND THE ATTACHMENTS
THERETO.

Dated: ___________________.

                                   Signature:

                                   __________________________________________
                                   Robert Ainsbury

                                   __________________________________________
                                   Spouse of Robert Ainsbury (if applicable)

Instruction:  Please do not fill in any blanks other than the signature line.
The purpose of this assignment is to enable the Company to transfer shares to
the Company if, as and when required under the Pledge and Security Agreement
without requiring additional signatures on the part of Borrower.

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