Document:

<PAGE>

                                                                    EXHIBIT 10.6

                                LOAN AGREEMENT

     THIS LOAN AGREEMENT ("Agreement") is made and entered into as of the 18th
day of August, 2000, between AVENUE A, INC., a Washington corporation ("Lender")
and NEVE RICHARD SAVAGE and ANN ELIZABETH SAVAGE (collectively, "Borrower"; a
reference to "Borrower" shall be construed as a reference to either of them).

                               R E C I T A L S:

     A.   Lender has agreed to make a loan (the "Loan") to Borrower in the
amount of $1,300,000 to partially finance the purchase of Borrower's residence
located at 15, Edwardes Square, London W8 6HE England and car parking space
number 18, 20-25 Earls Terrace, Kensington (together, the "London Residence").

     B.   As collateral for the Loan, Borrower has agreed to provide Lender (1)
a pledge of 120,000 shares of Lender's common stock held by Borrower,
represented by certificate numbers AVE 0658 and AVE 0660 (the "Pledged Shares"),
and (2) a second legal charge on the London Residence (the "Second Legal
Charge").

     C.   Pursuant to the Pledge Agreement, Borrower will cause certain of the
Pledged Shares to be sold pursuant to a set schedule, with the proceeds, after
payment of any brokerage commission and any costs of Lender related to the sale,
to be paid (1) first, to Borrower, in an amount sufficient to pay the taxes on
the sale of the Pledged Shares sold, (2) second, to igroup2 limited ("First
Mortgagee") for the any payments currently due on the debt owed by Borrower to
First Mortgagee and secured by a first legal charge (the "First Legal Charge")
on the London Residence, and (3) to Lender to reduce the amount of the Loan.

     D.   This Agreement sets forth certain terms and conditions in connection
with the Loan, including those governing the disbursement of Loan proceeds.

                                   AGREEMENT

     NOW, THEREFORE, in consideration of the mutual covenants set forth herein,
Lender and Borrower agree as follows:

1.   THE LOAN

     1.1  Disbursements

     Lender agrees to disburse the Loan proceeds to Borrower solely for the
purpose of acquiring the London Residence; Borrower agrees to remit any excess
Loan proceeds, after purchasing the London Residence, to Lender. The funds shall
be disbursed via wire transfer

                                                                          PAGE 1
<PAGE>

to Farnfield & Nicholls Client Account, Lloyds TSB Bank Plc, High Street,
Gillingham, Dorset, England, Sort Code 30-93-45, Client Call Account: 0638057.

     1.2  Promissory Note

     The Loan shall be evidenced by Borrower's Promissory Note ("Note") in the
Loan amount.

     1.3  Security

     Payment of the Note and performance of all of Borrower's obligations under
the Loan Documents shall be secured by:

     (a)  the Second Legal Charge which shall be a second legal mortgage on the
London Residence; and

     (b)  a pledge of the Pledged Shares pursuant to a Pledge Agreement (the
"Pledge Agreement") dated August 18th, 2000 between Borrower and Lender.

     1.4  Loan Documents

     As used in this Agreement, "Loan Documents" means this Agreement, the Note,
the Second Legal Charge, the Pledge Agreement, and all other documents and
instruments relating to the Loan.

2.   CONDITIONS TO CLOSING

     Lender shall have no obligation to close the Loan or advance any proceeds
of the Loan unless:

     (a)  Lender shall have received a certified copy of an original hazard
insurance policy on the London Residence, with such endorsements or other
insurance policies as may be necessary to insure all perils reasonably required
to be insured by Lender, issued by a company reasonably acceptable to Lender.
The policy shall not be subject to cancellation without 30 days' prior written
notice to Lender. Lender shall be named as a loss payee on the policy;

     (b)  Lender shall have received the consent of the First Mortgagee to the
encumbrance of the London Residence by the Second Legal Charge;

     (c)  Lender shall have received the Second Legal Charge executed by the
Borrower; and

     (d)  Lender is satisfied that the proceeds of the Loan shall be used
exclusively for the purpose of assisting in the acquisition of the London
Residence.

                                                                          PAGE 2
<PAGE>

3.   COVENANTS OF BORROWER

     3.1  No Other Liens

     Borrower shall not permit, allow or cause the London Residence to be
subject to any lien or encumbrance, other than the First Legal Charge and the
Second Legal Charge, without the prior written consent of Lender, nor shall
Borrower increase the amount of debt secured by the First Legal Charge.

     3.2  Further Assurances

     Whenever requested by Lender, Borrower shall promptly execute and deliver
to Lender such instruments and documents as Lender may reasonably require to
further evidence the Loan or perfect or continue the perfection of Lender's
liens against and security interests in the collateral for the Loan.

     3.3  Other Agreements; No Modifications

     Borrower shall timely pay and perform all of its obligations under all of
the Loan Documents.

     3.4  Sale of London Residence

     Borrower shall make best efforts to expeditiously sell the London Residence
at a purchase price that is satisfactory to Lender.

     3.5  No Sales of Other Avenue A Securities

     As long as any balance on the Loan remains outstanding, Borrower will not
consensually sell any securities of Avenue A, Inc. other than sales of the
Pledged Shares pursuant to the Loan Documents.

4.   DEFAULT

     4.1  Event of Default

     Any one or more of the following events is an Event of Default ("Event of
Default") under this Agreement.

     (a)  There is an Event of Default as defined under any of the other Loan
Documents.

     (b)  Borrower fails to pay the principal of or any installment of interest
on the Note, within five days of the date due, whether at scheduled maturity, by
acceleration, or otherwise.

                                                                          PAGE 3
<PAGE>

     (c)  Borrower shall file a voluntary petition in bankruptcy or such a
petition shall be filed against Borrower and is not dismissed within 60 days
after filing; or if Borrower shall file any petition or answer seeking or
acquiescing in any reorganization, arrangement, composition, readjustment,
liquidation, dissolution or similar relief for itself under any present or
future federal, state or other statute, law or regulation relating to
bankruptcy, insolvency or other relief for debtors; or shall seek or consent to
or acquiesce in the appointment of any trustee, receiver or liquidator of
Borrower or of all or any part of the collateral encumbered by the Pledge
Agreement or the Second Legal Charge, or shall make any general assignment for
the benefit of creditors, or shall admit in writing his inability to pay his
debts generally as they become due.

     (d)  A court of competent jurisdiction shall enter an order, judgment or
decree approving a petition filed against Borrower seeking any reorganization,
dissolution or similar relief under any present or future federal, state or
other statute, law or regulation relating to bankruptcy, insolvency or other
relief for debtors and such order, judgment or decree shall remain unvacated and
unstayed for an aggregate of 60 days (whether or not consecutive) from the first
date of entry thereof; or any trustee, receiver or liquidator of Borrower or of
all or any part of the collateral encumbered by the Pledge Agreement or Second
Legal Charge, shall be appointed without the consent or acquiescence of Borrower
and such appointment shall remain unvacated and unstayed for an aggregate of 60
days (whether or not consecutive).

     (e)  The actual or attempted conveyance, assignment, transfer, mortgage,
pledge, encumbrance, hypothecation or other disposition of the London Residence
or the Pledged Securities, or Borrower's rights under this Agreement, in
violation of the terms of this Agreement or any of the other Loan Documents
without the prior written consent of Lender.

     (f)  Borrower fails to perform or comply with any obligation, covenant,
obligation or other term under this Agreement, the Note, the First Legal Charge,
the Second Legal Charge, or the Pledge Agreement, and that default is not
rectified within 14 days.

     (g)  Borrower is unable to pay their debts as they fall due or their
contingent and actual liabilities exceed the value of their assets.

     (h)  Borrower enters into any compromise or arrangement with their
creditors or if they propose or enter into an Individual Voluntary Arrangement
as outlined in the Insolvency Act 1986 or similar procedure.

     (i)  Borrower has a statutory demand served on them and that demand is not
withdrawn within 14 days or a bankruptcy petition is presented against them.

     (j)  Borrower has a winding up petition presented against them on the basis
that they are an unregistered company or partnership.

     (k)  A creditor or any other third party registers any charge, caution or
other encumbrance against Borrower's property, or any judgment or order for more
than (pounds)750 is obtained and that order or judgment is not withdrawn, set
aside or satisfied within 21 days.

                                                                          PAGE 4
<PAGE>

     (l)  Borrower agrees to sell the London Residence and/or the Pledged Shares
without Lender's written consent.

     4.2  Inapplicability of Cure Periods

     All cure periods provided in this Agreement shall be inapplicable if, in
Lender's reasonable judgment, the default is not capable of being cured within
the time allowed, or a delay in Lender's enforcement of its rights and remedies
is likely to result in a material impairment of its security.

5.   REMEDIES

     5.1  Acceleration

     Upon the occurrence of an Event of Default, the entire amount disbursed
under the Note is immediately due and payable at the election of Lender.

     5.2  Remedies Not Exclusive

     No remedy conferred upon or reserved to Lender in the Loan Documents shall
be exclusive of any other remedy provided in the Loan Documents or by law or in
equity, and each shall be cumulative and shall be in addition to every other
remedy given Lender under any of the Loan Documents or now or hereafter existing
at law or in equity or by statute. Lender at its sole option, without limiting
or affecting any rights and remedies hereunder, may exercise any of the rights
and remedies to which it may be entitled under the Loan Documents concurrently
or in such order as Lender may determine. The exercise of any rights of Lender
shall not in any way constitute a cure or waiver of an Event of Default or
invalidate any act done pursuant to any notice of default or prejudice Lender in
the exercise of any of its rights. No failure of Lender to enforce its rights,
remedies, or options shall be deemed to be a waiver of any such rights, remedies
or options.

6.   MISCELLANEOUS

     6.1  Assignment

     Borrower may not assign their rights under this Agreement or any of the
Loan Documents without the prior written consent of Lender.

     6.2  Notices

     (a)  All notices, requests, consents, approvals, waivers and other
communications shall be in writing and mailed, faxed or delivered to the address
or facsimile number specified below (provided, however, that any matter
transmitted to the Lender by facsimile (i) shall be promptly confirmed by a
telephone call to the Lender at the number specified below and (ii) shall be
followed promptly by delivery of a hard copy original thereof) or to

                                                                          PAGE 5
<PAGE>

such other address or facsimile number as shall be designated by a party in a
written notice to the other party.

                           If to Lender:

                           Avenue A, Inc.
                           506 Second Avenue, 9th Floor
                           Seattle, Washington  98104
                           Attention:  Jeffrey Miller
                           Facsimile No. (206) 436-8502
                           Telephone No. (206) 816-8346

                           If to Borrower:

                           Neve Richard Savage
                           Ann Elizabeth Savage
                           15, Edwardes Square
                           London W8
                           ENGLAND
                           Facsimile No. _______________
                           Telephone No. _______________

     (b)  All such notices, requests and communications shall, when transmitted
by overnight delivery, or faxed, be effective when delivered for overnight
(next-day) delivery, or transmitted in legible form by facsimile machine,
respectively, or if mailed, upon receipt by the addressee, or if delivered, upon
delivery.

     6.3  Third Parties

     No provision of this Agreement is intended or shall be construed to be for
the benefit of any third party.

     6.4  Captions

     All section or paragraph division, numbering, and captions are for
convenience of reference only, and shall not affect the interpretation or
construction of this Agreement or of any term, condition, or provision hereof.

     6.5  Entire Agreement; Modifications

     This Agreement and the Loan Documents constitute the entire agreement of
the parties and supersede all prior negotiations, agreements or understandings
and may not be contradicted by evidence of any alleged oral agreement. No
modification or amendment of this Agreement or the Loan Documents shall be
effective unless set forth in writing and signed by Lender and Borrower.

                                                                          PAGE 6
<PAGE>

     6.6  Counterparts

     This Agreement may be executed in one or more counterparts, all of which
together shall constitute one and the same original.

     6.7  Severability

     If any term or provision of this Agreement is illegal or invalid for any
reason, such illegality or invalidity shall not affect the enforceability of the
remaining provisions of this Agreement and the other Loan Documents.

     6.8  Term

     This Agreement shall remain in effect until the Loan has been repaid in
full.

     6.9  Nature of Liability

     Whenever two or more persons are referenced in the term "Borrower" herein,
the liabilities and obligations of such persons under the Loan Documents shall
be joint and several.

     6.10 Governing Law

     This Agreement shall be governed by English law.

     6.11 Jurisdiction

     It is agreed, for the sole benefit of Lender, that the courts of England
and Wales shall have non-exclusive jurisdiction to settle any claim, dispute,
difference or issue which may arise out of or in connection with this Agreement
and the parties to this Agreement hereby irrevocably submit to such
jurisdiction. Any judgement, order or decision of said courts in respect of any
such claim, dispute, difference or issue may be enforced by any court of any
state which, under the laws and rules applicable in that state, is competent or
able to grant such enforcement.

            [The remainder of this page intentionally left blank.]

                                                                          PAGE 7
<PAGE>

     ORAL AGREEMENTS OR ORAL COMMITMENTS TO LOAN MONEY, EXTEND CREDIT, OR
FORBEAR FROM ENFORCING REPAYMENT OF A DEBT ARE NOT ENFORCEABLE UNDER WASHINGTON
LAW.

     IN WITNESS WHEREOF, the parties have signed this Agreement as of the date
written above.

EXECUTED by                                 )
AVENUE A, INC.                              )
acting by the undermentioned                )
person(s) on the authority of               )
the company in accordance                   )
with the laws of the territory              )
of its incorporation:                       )

                                            Authorised signatory

                                            Authorised signatory

SIGNED by                                   )
NEVE RICHARD SAVAGE                         )

SIGNED by                                   )
ANN ELIZABETH SAVAGE                        )

                                                                          PAGE 8<PAGE>

                                                                    EXHIBIT 10.7

                                PROMISSORY NOTE

$1,300,000.00                                                    London, England
                                                               August 18th, 2000

     FOR VALUE RECEIVED, NEVE RICHARD SAVAGE and ANN ELIZABETH SAVAGE
(collectively, "Borrower"; and a reference to "Borrower" shall be construed as a
reference to either of them), promises to pay, in lawful money of the United
States of America, to the order of AVENUE A, INC., a Washington corporation
("Lender"), at 506 Second Avenue, 9th Floor, Seattle, WA 98104, or such other
place either within or without the State of Washington as Lender may designate
in writing from time to time, the principal sum of One Million Three Hundred
Thousand and no/100 DOLLARS ($1,300,000), or so much as may be advanced
hereunder, payable with interest as provided below. The proceeds of the loan
("Loan") evidenced by this Note are to be advanced under the terms and
conditions of the Loan Agreement ("Loan Agreement") between Lender and Borrower
dated the same as this Note.

1.   Definitions

     Except as set forth in this Note, capitalized terms shall have the meanings
given them in the Loan Agreement. For purposes of this Note, the following terms
shall have the definitions set forth below:

     "Business Day" means any day, other than Saturday, Sunday or a day on which
national banks in Seattle, Washington are authorized or required by law to be
closed or a day which is not generally recognized as a business day in London,
England.

     "Maturity Date" means June 19, 2002.

     "Pledged Shares" means 120,000 shares of Avenue A, Inc. common stock,
currently held by Borrower and represented by certificates AVE 0658 and AVE
0660, as may be exchanged for certificates of smaller of larger denominations
representing such shares.

     "Quarter" means a 3-month quarter of Lender's fiscal year, ending on March
31, June 30, September 30, or December 31 of the applicable year.

2.   Interest

     (a)  This Note shall bear interest at the rate of 9% per annum.

     (b)  All computations of interest and fees shall be based on a 360-day year
for the actual number of days elapsed.

                                                                          PAGE 1
<PAGE>

     (c)  Notwithstanding any provision contained herein or in the Note, the
total liability of Borrower for payment of interest pursuant hereto, including
late charges, shall not exceed the maximum amount of interest permitted by
applicable law to be charged, collected or received from Borrower; and if any
payments by Borrower include interest in excess of that maximum amount, Lender
shall apply the excess first to reduce the unpaid balance of the Loan, then the
excess shall be returned to Borrower.

3.   Increased Costs

     If, as a result of any law, rule, regulation, treaty or directive, or any
change therein or in the interpretation or administration thereof, or compliance
by Lender with any request or directive (whether or not having the force of law)
from any court, central bank, governmental authority, agency or instrumentality,
or comparable agency:

     (a)  Any tax, duty or other charge to the Loan or the commitment thereunder
is imposed, modified or deemed applicable, or the basis of taxation of payments
to Lender of interest or principal of the Loan or of the commitment fees (other
than taxes imposed on the overall net income of Lender by the jurisdiction in
which Lender have its principal office) is changed;

     (b)  Any reserve, special deposit, special assessment or similar
requirement against assets of, deposits with or for the account of, or credit
extended by, Lender is imposed, modified or deemed applicable;

     (c)  Any increase in the amount of capital required or expected to be
maintained by Lender or any person controlling Lender is imposed, modified or
deemed applicable; or

     (d)  Any other condition affecting this Note or the commitments hereunder
is imposed on Lender or the relevant funding markets;

and Lender determines that, by reason thereof, the cost to Lender of making or
maintaining the Loan or the commitment is increased, or the amount of any sum
receivable by Lender hereunder or under the Note in respect of the Loan is
reduced;

then, Borrower shall pay to Lender upon demand such additional amount or amounts
as will compensate Lender (or the controlling person in the instance of
paragraph (c) above) for such additional costs or reduction. Determinations by
Lender for purposes of this Section 3 of the additional amounts required to
compensate Lender shall be conclusive in the absence of manifest error. In
determining such amounts, Lender may use any reasonable averaging, attribution
and allocation methods.

                                                                          PAGE 2
<PAGE>

4.   Payments

     4.1  Time and Place of Payments

     (a)  Borrower's interest payments shall be due quarterly, on the first
Wednesday following the 2/nd/ Friday of each March, June, September, and
December, commencing on December 2000 and continuing until the Maturity Date, at
which time all sums due hereunder shall be paid in full.

     (b)  All payments made hereunder shall be delivered to Lender at the
address set forth above, or at a different place required by Lender or by any
other party who takes this Note by transfer and who is entitled to receive
payment ("Holder").

     (c)  All sums payable hereunder shall be paid in immediately available
United States Funds.

     (d)  Whenever any payment to be made hereunder or on the Note becomes due
and payable on a day that is not a Business Day, such payment may be made on the
next succeeding Business Day and such extension of time shall in such case be
included in computing interest on such payment.

     4.2  Quarterly Payments

     During the week concluding on the 2/nd/ Friday of the third month in each
Quarter, commencing with the week ending September 8, 2000, 15,000 shares of the
Pledged Shares shall be sold, and the proceeds after deducting (1) commissions
and any costs of Lender related to the sale, (2) payment of taxes owed by
Borrower on the shares sold, and (3) payment of any sums currently due under
Borrower's loan from igroup2 limited secured by a first legal charge against
Borrower's London residence (the "Net Proceeds") shall be applied to this Note.

     4.3  Accelerated Principal Payments

     If, in Holder's discretion, it is advisable to sell more than 15,000 shares
of the Pledged Shares in any Quarter, such additional Pledged Shares may be
sold, and the Net Proceeds shall be applied to this Note.

     4.4  Application of Payments

     Payments shall be applied in the following order: (1) to the payment of
late charges, if any; (2) to the payment of accrued interest, computed on a 360-
day yearly basis and collected for the actual number of days in the month, based
on the outstanding principal balance to the due date; (3) at the option of
Holder, to the payment of any advances the Holder may have made for taxes,
assessments, insurance premiums, or other charges on any property given as
security herefor; and (4) to the reduction of the principal balance.

                                                                          PAGE 3
<PAGE>

5.   Taxes

     All payments by Borrower under this Agreement will be made in full without
set-off or counterclaim and free and clear of any deduction or withholding for
or on account of any taxes. If Borrower is required by applicable law to make
any withholding or deduction from any payment due under this Agreement for or on
account of any taxes, it will:

     (a)  promptly notify Lender;

     (b)  promptly pay the tax deducted to the appropriate tax authority before
any fine or penalty becomes payable; and

     (c)  indemnify Lender in respect of any such taxes.

     As soon as practical, but no later than 30 days, after any deduction or
withholding of any such taxes pursuant to this paragraph, Borrower will forward
to Lender official tax receipts and any other documents or evidence reasonably
required by Lender to prove that such taxes have been remitted to the
appropriate taxation authority.

6.   Prepayment

     Borrower shall have the right, at any time, to prepay the whole or any part
the principal hereof without prepayment charges concurrently with any regular
monthly payment. All prepayments shall be credited first upon accrued interest
and then upon the last maturing installment of principal. If Borrower makes such
a partial prepayment, there will be no changes in the due dates of the monthly
payments unless Lender agrees in writing to those changes. When a prepayment is
made by Borrower, Borrower will tell Lender in writing that Borrower is doing
so.

7.   Security; Loan Documents

     This Note is secured by, among other things, a Pledge Agreement (the Pledge
Agreement") pledging the Pledged Shares and a second legal charge (the "Second
Legal Charge") encumbering Borrower's London residence.

8.   Events of Default

     The occurrence of either of the following shall constitute an "Event of
Default" under this Note: (i) the failure by Borrower to make any payment under
this Note within five days after the due date, or (ii) the occurrence of an
Event of Default as defined in any of the other Loan Documents.

9.   Remedies; Default Interest

     Upon the occurrence of any Event of Default, Lender may declare the entire
principal balance and all accrued interest immediately due and payable. Whether
or not Lender

                                                                          PAGE 4
<PAGE>

exercises such option to accelerate upon the occurrence of any Event of Default,
the entire principal balance and all accrued interest under the Loan and all
other amounts payable under the Loan Documents shall bear interest from the date
of the Event of Default at a default rate equal to 5 percent plus the rate of
interest otherwise payable under this Note. Such default interest shall be
payable on demand. Lender's failure to exercise any right or remedy shall not be
a waiver of the right to exercise the same. The foregoing remedies shall be in
addition to all other legal and equitable rights and remedies of Lender.

10.  General

     (a)  Waivers. Except as otherwise provided in the Loan Documents, Borrower
          -------
waives all notices required by law; including without limitation presentment and
demand for payment, protest, and notice of demand, protest, dishonor and
nonpayment.

     (b)  Costs and Attorney's Fees. Upon the occurrence of any Event of
          -------------------------
Default, Lender shall have the right, at Borrower's expense, to consult an
attorney or collection agency, to make any demand, enforce any remedy, or
otherwise protect its rights under this Note and the Loan Documents. Borrower
hereby promises to pay all costs, fees, and expenses so incurred by Lender,
including, without limitation, reasonable attorney fees (with or without
arbitration or litigation), arbitration and court costs, collection agency
charges, notice expenses and title search expenses, and the failure of the
defaulting Borrower to pay the same shall, in itself, constitute a further and
additional default. In the event that suit or action or arbitration is
instituted by Lender to enforce this Note or any rights under the Loan
Documents, Borrower hereby promises to pay, in addition to costs and expenses
provided by statute or otherwise, such sums as the court or arbitrator may
adjudge reasonable as attorney fees in such proceeding and on any appeals from
any judgment or decree entered therein and the reasonable costs and attorney
fees for collection of the amount due therein; provided that if either Borrower
or Lender institute any action or arbitration under the Loan Documents, the
prevailing party in any such action or arbitration shall be entitled to such
costs and fees, including attorney fees, as the court or arbitrator may adjudge
as reasonable in such proceeding. Borrower further agrees to pay immediately
upon demand all costs and expenses of Lender including reasonable attorney fees:
(i) if Lender seeks to have the property securing the Loan abandoned by any
estate in bankruptcy; (ii) if Lender attempts to have any stay or injunction
prohibiting the enforcement or collection of the Note, prohibiting the
foreclosure of the Second Legal Charge, or prohibiting the enforcement of the
Second Legal Charge or any other Loan Document lifted by any bankruptcy or other
court; (iii) if Lender participates in any subsequent proceedings or appeal from
any order or judgment entered in any such proceeding; (iv) if Lender deems it
appropriate to file a proof of claim or in any other manner participate in any
bankruptcy or similar proceedings; (v) if Lender retains legal counsel in
connection with any amendments or modifications to this Note, the Second Legal
Charge or any other Loan Document; or (vi) if Lender seeks a deficiency judgment
after foreclosure of the Second Legal Charge.

     (c)  Governing Law. This Note shall be construed, enforced and otherwise
          -------------
governed by English law.

                                                                          PAGE 5
<PAGE>

     (d)  Jurisdiction. It is agreed, for the sole benefit of Lender, that the
          ------------
courts of England and Wales shall have non-exclusive jurisdiction to settle any
claim, dispute, difference or issue which may arise out of or in connection with
this Agreement and the parties to this Agreement hereby irrevocably submit to
such jurisdiction. Any judgement, order or decision of said courts in respect of
any such claim, dispute, difference or issue may be enforced by any court of any
state which, under the laws and rules applicable in that state, is competent or
able to grant such enforcement.

     (e)  Notice. Any notice to Borrower under this Note shall be given as
          ------
provided in the Loan Agreement.

     (f)  Replacement Note. If this Note is lost, stolen, destroyed or
          ----------------
mutilated, Borrower shall execute a replacement note upon the written request
ofLender.

     (g)  Time of Essence. Time is of the essence for purposes of this Note and
          ---------------
the other Loan Documents.

     EXCEPT AS OTHERWISE PROVIDED IN THIS NOTE OR THE OTHER LOAN DOCUMENTS,
BORROWER ACKNOWLEDGES LIABILITY FOR PAYMENT OF ALL AMOUNTS OWING UNDER THIS NOTE
AND THE OTHER LOAN DOCUMENTS AND AGREES THAT LENDER DOES NOT HAVE TO FORECLOSE
THE SECOND LEGAL CHARGE OR ANY OTHER COLLATERAL BEFORE DEMANDING FULL PAYMENT
FROM BORROWER.

            [The remainder of this page intentionally left blank.]

                                                                          PAGE 6
<PAGE>

     IN WITNESS WHEREOF, Borrower executes this Note as of the day and year
first above written.

                                     BORROWER:

SIGNED by                  )         /s/ Neve Savage
                                     -------------------------
NEVE RICHARD SAVAGE        )         NEVE RICHARD SAVAGE

SIGNED by                  )         /s/ A. Savage
                                     -------------------------
ANN ELIZABETH SAVAGE       )         ANN ELIZABETH SAVAGE

                                                                          PAGE 7

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