Document:

EXHIBIT 10.20

                         PROMISSORY NOTE

$80,000                                          January 11, 2000

     FOR VALUE RECEIVED, on or before December 31, 2003
("Maturity Date"), the undersigned (hereinafter referred to as
"Borrower"), promises to pay to the order of ASD Systems, Inc.
("Lender") at its offices in Dallas County, Texas at 3737 Grader
Street, Suite 110, Garland, Texas 75041 the principal amount of
EIGHTY THOUSAND AND NO/100 DOLLARS ($80,000) (the "Total
Principal Amount) together with interest on the Total Principal
Amount at a fixed rate per annum equal to seven percent (7%)
calculated on the basis of actual days elapsed but computed as if
each year consisted of 365 days.

     The principal of, and all accrued interest on, this
Promissory Note ("Note") shall be due and payable on the earlier
of the Maturity Date or the date that the Borrower ceases to be
employed by the Lender (the "Termination"), whether the
Termination is initiated by the Borrower or the Lender, or
whether the Termination is initiated for "cause" or "without
cause."  In no event shall this Note or any Loan Document (as
hereafter defined), taken singly or together, be deemed to be an
employment agreement or otherwise evidence an obligation of
Lender, in any way whatsoever, to employ Borrower in any capacity
for any period of time.

     Borrower may from time to time prepay all or any portion of
the principal of this Note without premium or penalty.  Unless
otherwise agreed to in writing, or otherwise required by
applicable law, payments will be applied first to unpaid accrued
interest, then to principal, and any remaining amount to any
unpaid collection costs, delinquency charges and other charges;
provided, however, upon delinquency or other Event of Default (as
hereafter defined),  Lender reserves the right to apply payments
among principal, interest, delinquency charges, collection costs
and other charges, at its discretion. All prepayments shall be
applied to the indebtedness owing hereunder in such order and
manner as Lender may from time to time determine in its sole
discretion.   All payments and prepayments of principal of or
interest on this Note shall be made in lawful money of the United
States of America in immediately available funds, at the address
of Lender indicated above, or such other place as the holder of
this Note shall designate in writing to Borrower.

      This Note is secured by a Pledge Agreement dated January
11, 2000 ("Pledge Agreement"), creating a security interest in
certain securities of the Lender held by Borrower and more
particularly described therein.

     This Note, the Pledge Agreement, and all other documents
evidencing, securing, governing, guaranteeing and/or pertaining
to this Note,  are hereinafter collectively referred to as the
"Loan Documents."  The holder of this Note is entitled to the
benefits and security provided in the Loan Documents.

     Borrower agrees that upon the occurrence of any one or more
of the following events of default ("Event of Default"):

          (a)  failure of Borrower to pay any installment of
               principal of or interest on this Note or on any
               other indebtedness of Borrower to Lender when due;
               or

          (b)  the occurrence of any event of default specified
               in any of the other Loan Documents; or

          (c)  the bankruptcy or insolvency of, the assignment
               for the benefit of creditors by, or the
               appointment of a receiver for any of the property
               of, or the liquidation, termination, dissolution
               or death or legal incapacity of, any party liable
               for the payment of this Note, whether as maker,
               endorser, guarantor, surety or otherwise;

<PAGE>

the holder of this Note may, at its option, without further
notice or demand, (i) declare the outstanding principal balance
of and accrued but unpaid interest on this Note at once due and
payable, (ii) refuse to advance any additional amounts under this
Note, (iii) foreclose all liens securing payment hereof, (iv)
pursue any and all other rights, remedies and recourses available
to the holder hereof, including but not limited to any such
rights, remedies or recourses under the Loan Documents, at law or
in equity, or (v) pursue any combination of the foregoing.

     The failure to exercise the option to accelerate the
maturity of this Note or any other right, remedy or recourse
available to the holder hereof upon the occurrence of an Event of
Default hereunder shall not constitute a waiver of the right of
the holder of this Note to exercise the same at that time or at
any subsequent time with respect to such Event of Default or any
other Event of Default.  The rights, remedies and recourses of
the holder hereof, as provided in this Note and in any of the
other Loan Documents, shall be cumulative and concurrent and may
be pursued separately, successively or together as often as
occasion therefore shall arise, at the sole discretion of the
holder hereof.  The acceptance by the holder hereof of any
payment under this Note which is less than the payment in full of
all amounts due and payable at the time of such payment shall not
(i) constitute a waiver of or impair, reduce, release or
extinguish any right, remedy or recourse of the holder hereof, or
nullify any prior exercise of any such right, remedy or recourse,
or (ii) impair, reduce, release or extinguish the obligations of
any party liable under any of the Loan Documents as originally
provided herein or therein.

     In no event shall Chapter 346 of the Texas Finance Code
(which regulates certain revolving loan accounts and revolving
tri-party accounts) apply to this Note.  To the extent that
Chapter 303 of the Texas Finance Code, is applicable to this
Note, the "weekly ceiling" specified in such  Chapter 303 is the
applicable ceiling; provided that, if any applicable law permits
greater interest, the law permitting the greatest interest shall
apply.

     If this Note is placed in the hands of an attorney for
collection, or is collected in whole or in part by suit or
through probate, bankruptcy or other legal proceedings of any
kind, Borrower agrees to pay, in addition to all other sums
payable hereunder, all costs and expenses of collection,
including but not limited to reasonable attorneys' fees.

     Borrower and any and all endorsers and guarantors of this
Note severally waive presentment for payment, notice of
nonpayment, protest, demand, notice of protest, notice of intent
to accelerate, notice of acceleration and dishonor, diligence in
enforcement and indulgences of every kind and without further
notice hereby agree to renewals, extensions, exchanges or
releases of collateral, taking of additional collateral,
indulgences or partial payments, either before or after maturity.

     In the event that there is any inconsistency between the
terms set forth in this Note and any other document, specifically
including that certain letter from Lender offering employment to
Borrower and dated December 13, 1999, then the provisions set
forth in this Note shall prevail and be controlling.

     THIS NOTE HAS BEEN EXECUTED UNDER, AND SHALL BE CONSTRUED
AND ENFORCED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF TEXAS,
EXCEPT AS SUCH LAWS ARE PREEMPTED BY APPLICABLE FEDERAL LAWS.

                                   BORROWER:

                                      /s/ Gregg L. Young
                                   --------------------------
                                   Gregg L. YoungEXHIBIT 10.21

                         PROMISSORY NOTE

Up to $65,000                                    January 11, 2000

     FOR VALUE RECEIVED, on or before June 30, 2001 ("Maturity
Date"), the undersigned (hereinafter referred to as "Borrower"),
promises to pay to the order of ASD Systems, Inc. ("Lender") at
its offices in Dallas County, Texas at 3737 Grader Street, Suite
110, Garland, Texas 75041 the principal amount of SIXTY FIVE
THOUSAND AND NO/100 DOLLARS ($65,000) (the "Total Principal
Amount) or such amount less than Total Principal Amount which has
been advanced to Borrower by Lender if the total amount advanced
under this Promissory Note ("Note") is less than the Total
Principal Amount, together with interest on such portion of the
Total Principal Amount which has been advanced to Borrower from
the date advanced until paid at a fixed rate per annum equal to
seven percent (7%) calculated on the basis of actual days elapsed
but computed as if each year consisted of 365 days.

     The principal of, and all accrued interest on, this Note
shall be due and payable on the earlier of the Maturity Date or
the date that the Borrower ceases to be employed by the Lender
(the "Termination"), whether the Termination is initiated by the
Borrower or the Lender, or whether the Termination is initiated
for "cause" or "without cause."  In no event shall this Note or
any Loan Document (as hereafter defined), taken singly or
together, be deemed to be an employment agreement or otherwise
evidence an obligation of Lender, in any way whatsoever, to
employ Borrower in any capacity for any period of time.

     Borrower may from time to time prepay all or any portion of
the principal of this Note without premium or penalty.  Unless
otherwise agreed to in writing, or otherwise required by
applicable law, payments will be applied first to unpaid accrued
interest, then to principal, and any remaining amount to any
unpaid collection costs, delinquency charges and other charges;
provided, however, upon delinquency or other Event of Default (as
hereafter defined),  Lender reserves the right to apply payments
among principal, interest, delinquency charges, collection costs
and other charges, at its discretion. All prepayments shall be
applied to the indebtedness owing hereunder in such order and
manner as Lender may from time to time determine in its sole
discretion.   All payments and prepayments of principal of or
interest on this Note shall be made in lawful money of the United
States of America in immediately available funds, at the address
of Lender indicated above, or such other place as the holder of
this Note shall designate in writing to Borrower.

      This Note is secured by a Pledge Agreement dated January
11, 2000 ("Pledge Agreement"), creating a security interest in
certain securities of the Lender held by Borrower and more
particularly described therein.

     This Note, the Pledge Agreement, and all other documents
evidencing, securing, governing, guaranteeing and/or pertaining
to this Note,  are hereinafter collectively referred to as the
"Loan Documents."  The holder of this Note is entitled to the
benefits and security provided in the Loan Documents.

     Borrower agrees that upon the occurrence of any one or more
of the following events of default ("Event of Default"):

     (a)  failure of Borrower to pay any installment of principal
          of or interest on this Note or on any other
          indebtedness of Borrower to Lender when due; or

     (b)  the occurrence of any event of default specified in any
          of the other Loan Documents; or

     (c)  the bankruptcy or insolvency of, the assignment for the
          benefit of creditors by, or the appointment of a
          receiver for any of the property of, or the
          liquidation, termination, dissolution or death or legal

<PAGE>

          incapacity of, any party liable for the payment of this
          Note, whether as maker, endorser, guarantor, surety or
          otherwise;

the holder of this Note may, at its option, without further
notice or demand, (i) declare the outstanding principal balance
of and accrued but unpaid interest on this Note at once due and
payable, (ii) refuse to advance any additional amounts under this
Note, (iii) foreclose all liens securing payment hereof, (iv)
pursue any and all other rights, remedies and recourses available
to the holder hereof, including but not limited to any such
rights, remedies or recourses under the Loan Documents, at law or
in equity, or (v) pursue any combination of the foregoing.

     The failure to exercise the option to accelerate the
maturity of this Note or any other right, remedy or recourse
available to the holder hereof upon the occurrence of an Event of
Default hereunder shall not constitute a waiver of the right of
the holder of this Note to exercise the same at that time or at
any subsequent time with respect to such Event of Default or any
other Event of Default.  The rights, remedies and recourses of
the holder hereof, as provided in this Note and in any of the
other Loan Documents, shall be cumulative and concurrent and may
be pursued separately, successively or together as often as
occasion therefore shall arise, at the sole discretion of the
holder hereof.  The acceptance by the holder hereof of any
payment under this Note which is less than the payment in full of
all amounts due and payable at the time of such payment shall not
(i) constitute a waiver of or impair, reduce, release or
extinguish any right, remedy or recourse of the holder hereof, or
nullify any prior exercise of any such right, remedy or recourse,
or (ii) impair, reduce, release or extinguish the obligations of
any party liable under any of the Loan Documents as originally
provided herein or therein.

     In no event shall Chapter 346 of the Texas Finance Code
(which regulates certain revolving loan accounts and revolving
tri-party accounts) apply to this Note.  To the extent that
Chapter 303 of the Texas Finance Code, is applicable to this
Note, the "weekly ceiling" specified in such  Chapter 303 is the
applicable ceiling; provided that, if any applicable law permits
greater interest, the law permitting the greatest interest shall
apply.

     If this Note is placed in the hands of an attorney for
collection, or is collected in whole or in part by suit or
through probate, bankruptcy or other legal proceedings of any
kind, Borrower agrees to pay, in addition to all other sums
payable hereunder, all costs and expenses of collection,
including but not limited to reasonable attorneys' fees.

     Borrower and any and all endorsers and guarantors of this
Note severally waive presentment for payment, notice of
nonpayment, protest, demand, notice of protest, notice of intent
to accelerate, notice of acceleration and dishonor, diligence in
enforcement and indulgences of every kind and without further
notice hereby agree to renewals, extensions, exchanges or
releases of collateral, taking of additional collateral,
indulgences or partial payments, either before or after maturity.

     In the event that there is any inconsistency between the
terms set forth in this Note and any other document, specifically
including that certain letter from Lender offering employment to
Borrower and dated December 13, 1999, then the provisions set
forth in this Note shall prevail and be controlling.

     THIS NOTE HAS BEEN EXECUTED UNDER, AND SHALL BE CONSTRUED
AND ENFORCED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF TEXAS,
EXCEPT AS SUCH LAWS ARE PREEMPTED BY APPLICABLE FEDERAL LAWS.

                                   BORROWER:

                                   /s/ Gregg L. Young
                                   ----------------------------
                                   Gregg L. Young

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