Document:

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                                                                    Exhibit 10.9

                        INCENTIVE STOCK OPTION AGREEMENT

                                 By and Between

                            RED BELL BREWING COMPANY

                                      and

                             FRANCIS J. CIABATTONI

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                        INCENTIVE STOCK OPTION AGREEMENT

     AGREEMENT, made as of May 16, 1995, by and between RED BELL BREWING
COMPANY, a Pennsylvania corporation (the "Company"), and FRANCIS J. CIABATTONI,
an adult individual (the "Optionee").

                                   BACKGROUND

          A.   Optionee is an officer and employee of Company.

          B.   Optionee has acted as the chief financial officer of Company
during the past two years and has devoted substantial time and effort to the
growth and development of Company.

          C.   Company neither has been nor is it now in a financial position
to compensate Optionee for his services.

          D.   Company has adopted a 1995 Stock Option Plan (the "Plan"), which
is incorporated herein by reference.

          E.   Pursuant to the Plan and in consideration of the covenants and
agreements of Optionee contained herein, Company desires to grant to Optionee,
and Optionee desires to receive, incentive stock options to acquire shares of
stock of Company, subject to the terms and conditions contained herein.

          F.   Capitalized terms used, but not defined, herein shall have the
meanings specified in the Plan; and, unless the context otherwise requires the
term Company shall also have the meaning specified in the Plan.

                                   AGREEMENT

     In consideration of the foregoing, all of which is incorporated herein by
reference, the parties hereto, intending to be legally bound hereby, agree as
follows:
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     1.   GRANT OF OPTION. Company hereby grants to Optionee an Incentive Stock
Option (the "Option") to purchase all or any part of an aggregate of 416,750
shares of the Stock (the "Shares") in accordance with and subject to the terms
of the Plan, a copy of which has been delivered to Optionee.

     2.   OPTION PRICE. The Option price per Share shall be $.30.

     3.   TERM OF OPTION. The term of the Option shall be ten (10) years
commencing on the date hereof, unless earlier terminated as provided herein.

     4.   EXERCISE OF OPTION. The Option shall be exercisable during each
calendar year commencing with 1996 in cumulative annual installments equal to
fifty percent (50%) of the Shares. Subject to the foregoing restriction, the
Option shall be exercisable from time to time, until it has expired or
terminated, only by written notice to Company by Optionee or his legal
representative, which shall specify the number of Shares to be purchased.

     5.   PAYMENT OF PURCHASE PRICE; WITHHOLDING.

          5.1  PAYMENT. The purchase price shall be paid as follows:

               (a)  In full in cash upon the exercise of the Option;

               (b)  With the consent of the Committee, in lieu of cash Optionee
may exercise his Option by tendering to Company shares of Stock having a Fair
Market Value at the time of exercise equal to the option price applicable to
the Shares with respect to which the Option is exercised; or

               (c)  A combination of (a) and (b).

          5.2  WITHHOLDING. All withholding liabilities that may arise by
reason of the exercise of the Option shall be paid as follows:

               (a)  Company shall collect or withhold cash;

               (b)  With the consent of the Committee, Optionee shall deliver
to Company on the date of exercise, Shares received from the exercise, or
Shares owned prior to such

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exercise, having a Fair Market Value at the time of exercise equal to the
amount of all withholding tax liabilities; or

                    (c) A combination of (a) and (b)

          6.   OPTION TRANSFERABILITY. This Agreement and the Option shall not
be transferable by Optionee otherwise than by will or the laws of descent and
distribution, and during the lifetime of Optionee, shall be exercisable only by
Optionee.

          7.   TERMINATION OF EMPLOYMENT, DEATH OR DISABILITY.

               7.1  TERMINATION FOR CAUSE. If Optionee's employment with Company
is terminated for Cause, the Option and all rights hereunder shall terminate
immediately.

               7.2  OTHER TERMINATION. If Optionee's employment with Company is
terminated for any reason other than Cause, Disability (hereinafter defined) or
death, the Option shall be exercisable at any time prior to expiration of (a)
the Option or (b) the ninety (90) day period commencing on the date of such
termination, whichever first occurs.

               7.3  DEATH OR DISABILITY. In the event of the death or
Disability of Optionee while in the employ of Company, the Option shall be
exercisable at anytime prior to expiration of (a) the Option or (b) the one (1)
year period commencing on the date of death or determination of Disability,
whichever first occurs.

               7.4  DEFINITION. As used in this Agreement the term "DISABILITY"
shall have the meaning specified in Section 22(e)(3) of the Code.

          8.   MISCELLANEOUS.

               8.1  EMPLOYMENT STATUS. Company's right to terminate the
employment of Optionee at any time, with or without cause, shall not be
restricted by this Agreement.

               8.2  NO RIGHTS TO CONTINUED EMPLOYMENT. Nothing herein or in the
Plan shall confer upon any employee of Company any right to continuance of
employment by Company or interfere with the right of Company to terminate such
employment at any time.

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     8.3  ADJUSTMENTS. The Option and the Plan are subject to adjustment,
modification and amendment as provided in the Plan.

     8.4  SURVIVAL. The agreements and covenants of Optionee contained in this
Agreement shall survive any termination or the expiration of the Option.

     8.5  SUCCESSORS. Subject to the Plan, this Agreement shall bind and inure
to the benefit of Company, Optionee and their respective successors, assigns and
personal representatives.

     8.6  GOVERNING LAW; CONSENT TO JURISDICTION. This Agreement shall be
governed by and construed under the laws of the Commonwealth of Pennsylvania
applicable to agreements made and to be performed wholly within such
jurisdiction, without regard to the conflicts of laws provisions thereof. Each
of the parties agrees to (a) the irrevocable designation of the Secretary of
State of the Commonwealth of Pennsylvania as its agent upon whom process against
it may be served and (b) personal jurisdiction in any action brought under this
Agreement in any court. Federal or State, within the Commonwealth of
Pennsylvania having subject matter jurisdiction over such action. The parties to
this Agreement agree that any suit, action or proceeding arising out of or
relating to this Agreement shall be instituted in the United States District
Court for the Eastern District of Pennsylvania, United States of America or, in
the absence of jurisdiction, the Court of Common Pleas of appropriate
jurisdiction in Pennsylvania. Each party waives any objection that it may have
now or hereafter to the laying of the venue of any such suit, action or
proceeding, and irrevocably submits to the jurisdiction of any such court in any
such suit, action or proceeding.

     8.7  DISPUTES. Any disputes, claims or interpretive issues arising under
the Plan shall be resolved by the Committee in its sole and absolute discretion,
and the Committee's determination shall be final, binding and uncontestable.

     8.8  HEADINGS. The headings preceding the text of paragraphs hereof are
inserted solely for convenience of reference, and shall neither constitute a
part of this Agreement nor affect its meaning, construction or effect.

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     8.9  ENTIRE AGREEMENT; AMENDMENTS.

          (a) This Agreement sets forth all of the promises, covenants,
agreements, conditions and undertakings between the parties hereto with respect
to the subject matter hereof, and supersedes all prior and contemporaneous
agreements and understandings, inducements or conditions, express or implied,
oral or written, relating to Optionee's right to receive Shares or any other
interest in Company and Optionee waives any rights he may have under any such
prior agreements.

          (b) No amendment, modification or waiver of this Agreement shall be
valid and binding unless it is in writing and signed by the party against whom
enforcement of the same is sought. No valid waiver of any provision of this
Agreement at any time shall be deemed a waiver of any other provision of this
Agreement at such time or at any other time.

     8.10 THIRD PARTY BENEFICIARIES. Except for the provisions of Subsection
8.9(a), which shall be for the benefit of the shareholders of Company, this
Agreement is not intended to and shall not be construed to give any person or
entity other than the parties hereto any interest or rights (including, without
limitation, any third party beneficiary rights) with respect to or in connection
with any agreement or provision contained herein or contemplated hereby.

     8.11 NOTICES. All notices or other communications that are required or may
be given under this Agreement and the Plan shall be in writing and shall be
deemed to have been duly given if mailed, first class mail, postage prepaid, or
delivered personally, or by overnight courier, to the addresses set forth below
or such other address as any party may designate by written notice to the other
given in the manner herein prescribed.

                   If to Company:

                   3100 W. Jefferson Street
                   Philadelphia, PA 19121

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                   If to Optionee:

                   1917 Longcome Drive
                   Wilmington, DE 19810

     IN WITNESS WHEREOF, the parties have duly executed and delivered this
Agreement the date first above written.

                                         /s/ Francis J. Ciabattoni
_____________________________            _____________________________
Witness                                  Francis J. Ciabattoni

ATTEST:                                  RED BELL BREWING COMPANY

_____________________________            By:_____________________________
Name:                                      Name:
Title:                                     Title:

                                       6EXHIBIT 10.15

                            CHANGE IN TERMS AGREEMENT

<TABLE>
<CAPTION>
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   PRINCIPAL      LOAN DATE     MATURITY      LOAN NO     CALL     COLLATERAL    ACCOUNT    OFFICER    INITIALS
<S>               <C>          <C>           <C>           <C>        <C>        <C>          <C>      <C>
 $2,000,000.00                 01-31-2001    90241693      41         5100       127732       DLS
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               References in the shaded area are for Lender's use only and do not limit the applicability of
               this document to any particular loan or item.
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</TABLE>

BORROWER: DIGITAL BIOMETRICS, INC.             LENDER: ASSOCIATED BANK MINNESOTA
          5600 ROWLAND ROAD - SUITE 205                PLYMOUTH
          MINNETONKA, MN 55343                         2655 CAMPUS DRIVE
                                                       PLYMOUTH, MN 55441

PRINCIPAL AMOUNT: $2,000,000.00             DATE OF AGREEMENT: NOVEMBER 19, 2000

DESCRIPTION OF EXISTING INDEBTEDNESS. A PROMISSORY NOTE #90241693 DATED NOVEMBER
19,1999 IN THE ORIGINAL AMOUNT OF $2,000,000.00.

DESCRIPTION OF COLLATERAL. ALL CORPORATE ASSETS PER COMMERCIAL SECURITY
AGREEMENT DATED NOVEMBER 19, 1999.

DESCRIPTION OF CHANGE IN TERMS. TO EXTEND MATURITY DATE.

PROMISE TO PAY. DIGITAL BIOMETRICS, INC. ("Borrower") promises to pay to
ASSOCIATED BANK MINNESOTA ("Lender"), or order, in lawful money of the United
States of America, the principal amount of Two Million & 00/100 Dollars
($2,000,000.00) or so much as may be outstanding, together with interest on the
unpaid outstanding principal balance of each advance. Interest shall be
calculated from the date of each advance until repayment of each advance.

PAYMENT. Borrower will pay this loan in one payment of all outstanding principal
plus all accrued unpaid interest on January 31, 2001. In addition, Borrower will
pay regular monthly payments of accrued unpaid Interest beginning December 19,
2000, and all subsequent interest payments are due on the same day of each month
after that. The annual interest rate for this Agreement is computed on a 365/360
basis; that is, by applying the ratio of the annual interest rate over a year of
360 days, multiplied by the outstanding principal balance, multiplied by the
actual number of days the principal balance is outstanding. Borrower will pay
Lender at Lender's address shown above or at such other place as Lender may
designate in writing. Unless otherwise agreed or required by applicable law,
payments will be applied first to accrued unpaid interest, then to principal,
and any remaining amount to any unpaid collection costs and late charges.

VARIABLE INTEREST RATE. The interest rate on this Agreement is subject to change
from time to time based on changes in an independent index which is the PRIME
RATE OF INTEREST AS PUBLISHED EACH BUSINESS DAY IN THE MONEY RATES SECTION OF
THE WALL STREET JOURNAL (the "Index"). The Index is not necessarily the lowest
rate charged by Lender on its loans. If the Index becomes unavailable during the
term of this loan, Lender may designate a substitute index after notice to
Borrower. Lender will tell Borrower the current Index rate upon Borrower's
request. Borrower understands that Lender may make loans based on other rates as
well. The interest rate change will not occur more often than each DAY. The
Index currently is 9.500% per annum. The interest rate to be applied to the
unpaid principal balance of this Agreement will be at a rate of 0.500 percentage
points over the Index, resulting in an Initial rate of 10.000% per annum.
NOTICE: Under no circumstances will the interest rate on this Agreement be more
than the maximum rate allowed by applicable law.

PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges
are earned fully as of the date of the loan and will not be subject to refund
upon early payment (whether voluntary or as a result of default), except as
otherwise required bylaw. Except for the foregoing, Borrower may pay without
penalty all or a portion of the amount owed earlier than it is due. Early
payments will not, unless agreed to by Lender in writing, relieve Borrower of
Borrower's obligation to continue to make payments of accrued unpaid interest.
Rather, they will reduce the principal balance due.

LATE CHARGE. If a payment is 10 days or more late, Borrower will be charged
5.000% of the unpaid portion of the regularly scheduled payment.

DEFAULT. Borrower will be in default if any of the following happens: (a)
Borrower fails to make any payment when due. (b) Borrower breaks any promise
Borrower has made to Lender, or Borrower fails to comply with or to perform when
due any other term, obligation, covenant, or condition contained in this
Agreement or any agreement related to this Agreement, or in any other agreement
or loan Borrower has with Lender. (c) Any representation or statement made or
furnished to Lender by Borrower or on Borrower's behalf is false or misleading
in any material respect either now or at the time made or furnished. (d)
Borrower becomes insolvent, a receiver is appointed for any part of Borrower's
property, Borrower makes an assignment for the benefit of creditors, or any
proceeding is commenced either by Borrower or against Borrower under any
bankruptcy or insolvency laws. (e) Any creditor tries to take any of Borrower's
property on or in which Lender has a lien or security interest. This includes a
garnishment of any of Borrower's accounts with Lender. (1]) Any guarantor dies
or any of the other events described in this default section occurs with respect
to any guarantor of this Agreement. (g) A material adverse change occurs in
Borrower's financial condition, or Lender believes the prospect of payment or
performance of the Indebtedness is impaired. (h) Failure to meet the deadlines
required in the Year 2000 Compliance Agreement to be Year 2000 Compliant or a
reasonable likelihood that Borrower cannot be Year 2000 Compliant on or before
December 31, 1999. (i) Lender in good faith deems itself insecure.

If any default, other than a default in payment, is curable and if Borrower has
not been given a notice of a breach of the same provision of this Agreement
within the preceding twelve (12) months, it may be cured (and no event of
default will have occurred) if Borrower, after receiving written notice from
Lender demanding cure of such default: (a) cures the default within fifteen (15)
days; or (b) if the cure requires more than fifteen (15) days, immediately
initiates steps which Lender deems in Lender's sole discretion to be sufficient
to cure the default and thereafter continues and completes all reasonable and
necessary steps sufficient to produce compliance as soon as reasonably
practical.

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal
balance on this Agreement and all accrued unpaid interest immediately due,
without notice, and then Borrower will pay that amount. Upon default, including
failure to pay upon final maturity, Lender, at its option, may also, if
permitted under applicable law, increase the variable interest rate on this
Agreement to 2.500 percentage pants over the Index. The interest rate will not
exceed the maximum rate permitted by applicable law. Lender may hire or pay
someone else to help collect this Agreement if Borrower does not pay. Borrower
also will pay Lender that amount. This includes, subject to any limits under
applicable law, Lender's attorneys' fees and Lender's legal expenses whether or
not there is a lawsuit, including attorneys' fees and legal expenses for
bankruptcy proceedings (including efforts to modify or vacate any automatic stay
or injunction), appeals, and any anticipated post-judgment collection services.
If not prohibited by applicable law, Borrower also will pay any court costs, in
addition to all other sums provided bylaw. This Agreement has been delivered to
Lender and accepted by Lender in the State of Minnesota. If there is a lawsuit,
Borrower agrees upon Lender's request to submit to the jurisdiction of the
courts of HENNEPIN County, the State of Minnesota. This Agreement shall be
governed by and construed in accordance with the laws of the State of Minnesota.

<PAGE>

11-19-2000                CHANGE IN TERMS AGREEMENT                       PAGE 2
LOAN NO 90241693                 (CONTINUED)

RIGHT OF SETOFF. Borrower grants to Lender a contractual security interest in,
and hereby assigns, conveys, delivers, pledges, and transfers to Lender all
Borrower's right, title and interest in and to, Borrower's accounts with Lender
(whether checking, savings, or some other account), including without limitation
all accounts held jointly with someone else and all accounts Borrower may open
in the future, excluding however all IRA and Keogh accounts, and all trust
accounts for which the grant of a security interest would be prohibited bylaw.
Borrower authorizes Lender, to the extent permitted by applicable law, to charge
or setoff all sums owing on this Agreement against any and all such accounts.

LINE OF CREDIT. This Agreement evidences a revolving line of credit. Advances
under this Agreement may be requested either orally or in writing by Borrower or
by an authorized person. Lender may, but need not, require that all oral
requests be confirmed in writing. All communications, instructions, or
directions by telephone or otherwise to Lender are to be directed to Lender's
office shown above. Borrower agrees to be liable for all sums either: (a)
advanced in accordance with the instructions of an authorized person or (b)
credited to any of Borrowers accounts with Lender. The unpaid principal balance
owing on this Agreement at any time may be evidenced by endorsements on this
Agreement or by Lenders internal records, including daily computer print-outs.
Lender will have no obligation to advance funds under this Agreement if: (a)
Borrower or any guarantor is in default under the terms of this Agreement or any
agreement that Borrower or any guarantor has with Lender, including any
agreement made in connection with the signing of this Agreement; (b) Borrower or
any guarantor ceases doing business or is insolvent; (c) any guarantor seeks,
claims or otherwise attempts to limit, modify or revoke such guarantor's
guarantee of this Agreement or any other loan with Lender; (d) Borrower has
applied funds provided pursuant to this Agreement for purposes other than those
authorized by Lender; or (e) Lender in good faith deems itself insecure under
this Agreement or any other agreement between Lender and Borrower.

CONTINUING VALIDITY. Except as expressly changed by this Agreement, the terms of
the original obligation or obligations, including all agreements evidenced or
securing the obligations(s), remain unchanged and in full force and effect.
Consent by Lender to this Agreement does not waive Lenders right to strict
performance of the obligations) as changed, nor obligate Lender to make any
future change in terms. Nothing in this Agreement will constitute a satisfaction
of the obligation(s). It is the intention of Lender to retain as liable parties
all makers and endorsers of the original obligation(s), including accommodation
parties, unless a party is expressly released by Lender in wring. Any maker or
endorser, including accommodation makers, will not be released by virtue of this
Agreement. If any person who signed the original obligation does not sign this
Agreement below, then all persons signing below acknowledge that this Agreement
is given conditionally, based on the representation to Lender that the
non-signing party consents to the changes and provisions of this Agreement or
otherwise will not be released by it. This waiver applies not only to any
initial extension, modification or release, but also to all such subsequent
actions.

MISCELLANEOUS PROVISIONS. Lender may delay or forgo enforcing any of its rights
or remedies under this Agreement without losing them. Borrower and any other
person who signs, guarantees or endorses this Agreement, to the extent allowed
bylaw, waive presentment, demand for payment, protest and notice of dishonor.
Upon any change in the terms of this Agreement, and unless otherwise expressly
stated in writing, no party who signs this Agreement, whether as maker,
guarantor, accommodation maker or endorser, shall be released from liability.
All such parties agree that Lender may renew or extend (repeatedly and for any
length of time) this loan, or release any party or guarantor or collateral; or
impair, fail to realize upon or perfect Lenders security interest in the
collateral; and take any other action deemed necessary by Lender without the
consent of or notice to anyone. All such parties also agree that Lender may
modify this loan without the consent of or notice to anyone other than the party
with whom the modification is made.

SECTION DISCLOSURE. This loan is made under Minnesota Statutes, Section 47.59.

PRIOR TO SIGNING THIS AGREEMENT, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS
OF THIS AGREEMENT, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. BORROWER
AGREES TO THE TERMS OF THE AGREEMENT AND ACKNOWLEDGES RECEIPT OF A COMPLETED
COPY OF THE AGREEMENT.

BORROWER.

DIGITAL BIOMETRICS, INC.

By: /s/ John Metil
    ---------------------------------
    John Metil, President

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