Document:

<PAGE>

                                                                   EXHIBIT 10.20

                                    AGREEMENT

        This Agreement is made this 13th day of Oct., 1996 by and between
("Radio Metrix, Inc.") and Carl Burnett ("Mr. Burnett").

                                    RECITALS

        WHEREAS, the Company is in the business of manufacturing and marketing
sensing devices utilizing radio waves in a unique fashion; and

        WHEREAS, Mr. Burnett has served as an employee of the Company where part
of his duties were to further develop and enhance the Company's products and
technology; and

        WHEREAS, within the scope of Mr. Burnett's duties for the Company he
enhanced the Company's safety system product and technology by his invention of
an electrical noise canceling circuit; and

        WHEREAS, the parties hereto wish that Mr. Burnett assign all of his
rights, title and interest in and to Mr. Burnett's invention and any future
modifications or improvements thereto ("Invention") to the Company and that the
Company compensate Mr. Burnett fairly for such assignment.

        NOW, THEREFORE, in consideration of the premises and the mutual
representations, warranties, covenants and agreements set forth herein, and for
other good and valuable consideration in hand received, the receipt and
sufficiency of which is hereby acknowledged, the parties hereby agree as
follows:

        1. Confirmation of Recitals. The foregoing recitals are true and
correct and are hereby ratified and confirmed by the parties and are made an
integral part of this Agreement; as such, the recital shall be used in any
construction of this Agreement especially as it relates to the intent of the
parties.

        2. Assignment. Mr. Burnett hereby assigns and conveys all of his right,
title and interest in and to the Invention to the Company.

        3. Payment. In consideration of Mr. Burnett's assignment and
conveyance of the Invention to the Company, the Company agrees to compensate Mr.
Burnett for said assignment as follows:

        A.      In those instances when the Invention is utilized by the Company
                or it assigns in products sold by the Company, the Company shall
                pay Mr. Burnett the smaller of $1.00 or 1% of the amount
                collected by the Company from the sale of each finished product
                in which the Invention is utilized. Such payments shall be made
                to Mr. Burnett at

<PAGE>

                the end of each quarter within which products using the
                Invention were sold and the sale price collected. Accompanying
                each quarterly payment shall be an accounting clearly
                identifying the type and number of products sold in the
                quarterly period.

        B.      In instances where the Company licenses to its designees or
                other third parties (i.e. parties other than an affiliate of the
                Company created to manufacture or market products utilizing the
                Company's technologies), the Invention independent of other
                technology owned or licensed by the Company, the Company shall
                pay to Mr. Burnett, 10% of the license fees or royalties
                received by the Company from any such designees or third
                parties, and such payment shall be paid to Mr. Burnett either
                on a one time lump sum basis or an ongoing periodic basis as may
                be mutually agreeable to the Company and Mr. Burnett on a case
                by case basis in light of the circumstances surrounding the
                license agreement(s), if any, entered into between the Company
                and its designees and third parties from time to time.

        C.      In instances where the Company licenses to its designees or
                other third parties (i.e. parties other than an affiliate of the
                Company created to manufacture or market products utilizing the
                Company's technologies) the Invention as part of other
                technology owned or licensed by the Company, the Company shall
                pay to Mr. Burnett 1% of the license fees or royalty fees
                received by the Company from such designees or third parties
                from license of combined technologies. Such fee shall be paid to
                Mr. Burnett in the same fashion as payments required under
                subparagraph B above.

        3. Patent Application, Fees and Expenses. In the event the Company, in
its discretion, wishes to pursue patenting the Invention, then in such event,
the Company agrees that it shall be responsible for and shall pay all fees,
costs and expenses customarily incurred when filing a patent application and
acquiring a patent in the jurisdictions selected by the Company. Further, the
Company agrees that it shall be responsible for and shall pay all cost, fees and
expenses customarily incurred in maintaining a patent(s) once acquired for so
long as the Company deems the maintenance to be appropriate, and the Company
further agrees that it shall pay all fees, costs and expenses customarily
related to prosecuting and defending infringement claims. Should the Company
determine not to maintain or defend the patent, the Company shall provide Mr.
Burnett with written notice and an opportunity to undertake the maintenance or
defence.

        4. Cooperation. Mr. Burnett shall, upon the request of the

                                        2

<PAGE>

Company, execute and assign any and all applications, assignments, and other
instruments which the Company shall deem necessary in order to apply and obtain
Letters Patent of the United States or foreign countries for the Invention and
in order to assign and convey to the Company the sole and exclusive right, title
and interest, in and to the Invention, applications and patents related thereto.

        5. Confidential Information. Mr. Burnett agrees to keep confidential and
not make any unauthorized use or disclosure, during or subsequent to his
employment with the Company of any knowledge or information of an unpublished,
or confidential or proprietary nature regarding the Invention or relating to the
business, research, technologies, products or development activities of the
Company, or to its manufacturing processes or its trade secrets, or to its
sources of supply or lists of customers, or to marketing or product plans or
contemplated actions of the Company.

        6. Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Florida. The parties agree that venue
for enforcement of any type under this Agreement shall be in Sarasota County,
Florida.

        7. Miscellaneous. No change, addition, deletion, or amendment of this
Agreement shall be valid or binding upon Mr. Burnett or the Company unless in
writing and signed by Mr. Burnett and the Company. The rights of the Company
under this Agreement may be assigned; however, the covenants and agreements of
Mr. Burnett pursuant to this Agreement cannot be assigned. The title of this
Agreement and the paragraph headings of this Agreement are not substantive parts
of this Agreement and shall not limit or restrict the Agreement in any way. In
construing this Agreement, neither of the parties hereto shall have any term or
provision of this Agreement construed against such party solely by reason of
such party having drafted same as each provision of this Agreement is deemed by
the parties to have been jointly drafted by the Company and Mr. Burnett.

        8. Mr. Burnett's Acknowledgment. The Mr. Burnett, acknowledges that
Mr. Burnett has voluntarily and knowingly entered into this Agreement and that
this Agreement encompasses the full and complete agreement between the parties
with respect to the matters set forth herein.

        9. Legal Representation. This Agreement has been prepared for the
Company by DUFFEY & DOLAN, P.A., its legal counsel. A principle of DUFFEY &
DOLAN, P.A., Mr. Duffey is also a stockholder and officer of the Company. Mr.
Burnett has been expressly advised that neither DUFFEY & DOLAN, P.A. nor Mr.
Duffey have provided any legal advise to him and that he may wish to seek
independent legal counsel in connection with this Agreement or matters related

                                        3

<PAGE>

thereto.

CARL BURNETT                             RADIO METRIX, INC.

By: /s/ CARL BURNETT                     By: /s/ STEPHEN A. MICHAEL
   ----------------------------             -------------------------------
Print:  Carl Burnett                     Print: Stephen A. Michael
                                         Title: President

                                       4<PAGE>
                                                                   EXHIBIT 10.21

                                    AGREEMENT

         THIS AGREEMENT ("Agreement") is made and entered into as of this 13th
day of December, 1993, by and between Namaqua Limited Partnership ("Namaqua")
and Radio Metrix, Inc. ("Radio Metrix").

                                  W I T N E S S E T H:

         WHEREAS, Radio Metrix has developed a unique, patent-pending technology
embodied in a sensing device for parking barrier booms (the "Parking Barrier
Boom Sensor") and which is anticipated in the future to be embodied in a swing
or sliding gate sensor ("Gate Sensor"); and

         WHEREAS, Namaqua has agreed pursuant to the terms of this Agreement to
provide inventory financing for Radio Metrix; and

         WHEREAS, the parties wish to enter into this Agreement setting forth
the terms and conditions of their mutual understanding.

         NOW, THEREFORE, for good and valuable consideration, in hand received,
the parties mutually agree as follows:

         1.       Financing. Namaqua agrees to loan up to $130,000 (the
"Maximum Outstanding Balance") to Radio Metrix for inventory (raw and finished)
for Parking Barrier Boom Sensors during the term of this Agreement. Loans from
Namaqua advanced hereunder shall be in the actual amount of the inventory
purchased by Radio Metrix for Parking Barrier Boom and Gate Sensors. The maximum
amount of financing will be expanded to $200,000 upon the marketing by Radio
Metrix of the Gate Sensor.

         2.       Disbursements of Financing. Advances will be paid by Namaqua
by directly paying invoices for inventory (raw and finished) at the direction of
Radio Metrix.

         3.       Repayment of Advances. Advances will be repaid by Radio Metrix
as it receives payment for sold Parking Barrier Boom Sensors and Gate Sensors
(together referred to herein as "Units"). Out of each Unit sold, the first
$60.00 (which includes $4.50 compensation and $55.50 repayment of outstanding
balance) received by Radio Metrix per Unit will be paid to Namaqua to reduce
the outstanding balance until the entire outstanding balance under this
Agreement has been repaid in full. Any balance remaining outstanding after
<PAGE>

75 days from the date of shipment by Radio Metrix of the related Unit will be
immediately paid in full.

         4.       Collateral. All accounts receivable and inventory of Radio
Metrix will be pledged to support and collateralize the Namaqua financing.
Additionally, all collections by Radio Metrix accounts receivable will be
deposited in a segregated account. Additionally, the obligation of Radio Metrix
to Namaqua will be personally guaranteed by Samuel S. Duffey and Stephen A.
Michael.

         5.       Reports. Radio Metrix will provide Namaqua with monthly
reports of Units sold, accounts receivable, bank statements and amounts paid to
Namaqua.

         6.       Compensation. In addition to the above and when the financing
arrangement ends, Namaqua shall be paid an amount equal to $2.00 on each of
every Parking Barrier Boom Sensor sold (and $2.00 for every Gate Sensor device
if Gate Sensors are financed hereunder). This compensation arrangement will
continue for so long as Radio Metrix markets Parking Barrier Boom Sensors (and
Gate Sensors, if financed originally).

         7.       Other Products. This Agreement does not relate to products of
Radio Metrix other than the Parking Barrier Boom Sensor and the Gate Sensor. It
is anticipated that Radio Metrix may introduce other products which may include
but not be limited to garage door sensors, in-home sensors, motorcycle or
bicycle sensors or other sensors which are not governed by this Agreement and
for which no financing is required to be provided by Namaqua and no compensation
is required to be paid by Radio Metrix.

         8.       Termination. Either party may terminate any additional
financing upon 60 days' written notice.

         9.       Miscellaneous. This Agreement constitutes the entire
understanding of the parties and shall not be amended or otherwise altered
except in writing by the parties hereto. This Agreement shall be governed by and
construed in accordance with the laws of the State of Florida. Any dispute
arising under this Agreement shall be resolved exclusively by binding
arbitration before the American Arbitration Association seated in Sarasota,
Florida. The findings of the arbitrators shall be final and binding. This
Agreement shall be binding upon and shall inure to the benefit of the heirs,
assigns, successors and interests.

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<PAGE>

         IN WITNESS WHEREOF, the parties set their hands and seals on the day
and year first above written.

                                          RADIO METRIX, INC.

                                          By: /s/ S. A. Michael
                                             ----------------------------------
                                          Print: S. A. Michael
                                                -------------------------------

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

                                          NAMAQUA LIMITED PARTNERSHIP
                                          By: /s/ Thomas W. Rogers
                                             ----------------------------------
                                          Print: Thomas W. Rogers
                                                -------------------------------

                                          Title: General Partner
                                                -------------------------------

         All payments due Namaqua Limited Partnership pursuant to this Agreement
are jointly and severally guaranteed by Samuel S. Duffey and Stephen A. Michael:

                                          /s/ Samuel S. Duffey
                                          -------------------------------------
                                          Samuel S. Duffey, Individually

                                          /s/ S. A. Michael
                                          -------------------------------------
                                          Stephen A. Michael, Individually

                                       3
<PAGE>

----------------------
   Contract Number

                               SECURITY AGREEMENT
                                   (General)

                        RADIO METRIX, INC.                          (and if more
--------------------------------------------------------------------
                       (Name(s) of Debtor(s))

than one, each of them jointly and severally), hereinafter called "Debtor", of
1515 Ringling Blvd., Ste. 800;             Sarasota
-------------------------------------------------------------
       (No. and Street)                     (City)

     Sarasota        Florida      , for value received, hereby grants to
----------------------------------
     (County)        (State)

NAMAQUA LIMITED PARTNERSHIP                   hereinafter called "Secured Party"
---------------------------------------------
of 1001 - 25th Avenue Court;        Moline,     Rock Island    Illinois        .
   ----------------------------------------------------------------------------
      (No. and Street)              (City)        (County)      (State)

a security interest in the following property:
                                              ----------------------------------
          All accounts receivable and inventory of Radio Metrix, Inc.
--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

together with all accessories, parts, equipment, and accessions now attached
to or used in connection therewith or which may hereafter at any time be
installed in or affixed to the above-described property, and also any and all
replacements of any such property and other property of the same class or
classes hereinafter owned or acquired, except consumer goods, other than
accessions, acquired more than 10 days after the day of the transaction (all of
which is hereinafter called "Collateral"), to secure the payment of that
certain indebtedness evidenced by a promissory note or notes executed by Debtor
in the amount of Two Hundred Thousand and no/100 -------- Dollars ($200,000.00),
                 ----------------------------------------         -------------
of even date herewith, and any and all extensions or renewals thereof, and any
and all other liabilities or obligations of the Debtor to the Secured Party,
direct or indirect, absolute or contingent, now existing or hereafter arising,
now due or hereafter to become due (all hereinafter called the "Obligations").

         As further security, Debtor grants to Secured Party a security
interest in all property of Debtor which is or may hereafter be in Secured
Party's possession in any capacity including all monies owed or to be owed by
Secured Party to Debtor; and with respect to all of such property, Secured Party
shall have the same rights as it has with respect to the Collateral.

         Debtor hereby warrants and agrees that:

         1.       The Collateral is acquired or used primarily for: [  ]
personal, family, or household purposes; [  ] business use; or [  ] farming
operations; and if checked here [  ] is being acquired with the proceeds of the
loan provided for in or secured by this agreement, and the Secured Party may
disburse such proceeds or any part thereof directly to the seller of the
Collateral.

         2.       The Collateral will be kept at
1515 Ringling Blvd., Ste. 800;  Sarasota,   Sarasota,   Florida, or if left
---------------------------------------------------------------
      (No. and Street)           (City)     (County)    (State)

blank, at the address shown at the beginning of this agreement; Debtor will
promptly notify Secured Party of any change in the location of the Collateral
within said state; and Debtor will not remove the Collateral from said state
without the written consent of Secured Party.

         3.       If the Collateral is acquired or used primarily for personal,
family or household purposes, or for farming operations use, Debtor's residence
in Florida is that shown at the beginning of this agreement and Debtor will
immediately notify Secured Party of any change in the location of said
residence.

         4.       If the Collateral is timber to be cut, minerals or the like
(including oil and gas), accounts resulting from the sale of such minerals at
the wellhead or minehead, crops and/or goods which are or are to become
fixtures, a legal description of the real estate to which the Collateral is
attached, located in ___________ County, Florida, is as follows;       N/A
                                                                 ---------------

-------------------------------------------------------------------------------.

and the name of the record owner is:
                                   --------------------------------------------;

and if this agreement is to be used as a Financing Statement, it will be filed
for record in the real estate records; and if the Collateral is attached to
real estate prior to the perfection of the security interest granted hereby,
Debtor will, on demand of Secured Party, furnish the latter with a disclaimer
or disclaimers, signed by all persons having an interest in the real estate, of
any interest in the Collateral that is prior to Secured Party's interest.

         5.       If the Collateral is acquired or used primarily for business
use and is of a type normally used in more than one state, whether or not so
used, and Debtor has a place of Business in more than one state, the chief
place of business of Debtor is:          1515 Ringling Blvd., Ste. 800
                                ------------------------------------------------
                                                (No. and Street)

                  Sarasota,             Sarasota,              Florida, or,
----------------------------------------------------------------------
                   (City)               (County)               (State)

if left blank, is that shown at the beginning of this agreement, and Debtor
will immediately notify Secured Party in writing of any change in Debtor's
chief place of business; and if certificates of title are issued or outstanding
with respect to any of the Collateral, Debtor will cause the interest of
Secured Party to be properly noted thereon.

         6.       Except for the security interest granted hereby, Debtor is
the owner of the Collateral free from any adverse lien, security interest, or
encumbrance; and Debtor will defend the Collateral against all claims and
demands of all persons at any time claiming the same or any interest thereon.

         7.       No Financing Statement covering any Collateral or any
proceeds thereof is on file in any public office; Debtor authorizes Secured
Party at Debtor's expense to file any Financing Statement or Statements
relating to the Collateral (without any Debtor's signature thereon) which
Secured Party deems appropriate, and Debtor irrevocably appoints Secured Party
as Debtor's attorney-in-fact to execute any such Financing Statement or
Statements in Debtor's name and to do such other acts and things, all as
Secured Party may request, to establish and maintain a valid security interest
in the Collateral (free of all other liens and claims whatsoever) to secure the
payment of the Obligations, including, without limitation, deposit with Secured
Party of any certificate of title issuable with respect to any of the
Collateral and notation thereon of the security interest hereunder. For purposes
of perfecting the security interest created by this agreement, a carbon,
photographic or other reproduction of this security agreement or a financing
statement will be sufficient to serve as a financing statement. If this
agreement is to be used as a Financing Statement, it is hereby stated that the
documentary stamps required by Chapter 201, Florida Statutes have been placed
on the promissory instruments secured hereby and will be placed on any
additional promissory instruments, advances or similar instruments that may be
secured hereby.

         8.       Debtor will not sell, transfer, lease, or otherwise dispose
of any of the Collateral or any interest therein, or offer so to do, without
the prior

<PAGE>

         9.       Debtor will at all times keep the Collateral insured against
loss, damage, theft, and such other risks as Secured Party may require in such
amounts and companies and under such policies and in such form, and for such
periods, as shall be satisfactory to Secured Party and each such policy shall
provide that loss thereunder and proceeds payable thereunder shall be payable to
Secured Party as its interest may appear (and Secured Party may apply any
proceeds of such insurance which may be received by Secured Party toward payment
of the Obligations, whether or not due, in such order of application as Secured
Party may determine) and each such policy shall provide 10 days' written minimum
cancellation notice to Secured Party; and each such policy shall, if Secured
Party so requests, be deposited with Secured Party; and Secured Party may act as
attorney for Debtor in obtaining, settling, and cancelling such insurance and
endorsing any drafts.

         10.      Debtor shall at all times keep the Collateral free from any
adverse lien, security interest, or encumbrance and in good order and repair
and will not waste or destroy the Collateral or any part thereof; and Debtor
will prevent the Collateral or any part thereof from being or becoming an
accession or fixture to other goods not covered hereunder; and Debtor will not
use the Collateral in violation of any statute or ordinance; and Debtor will
keep, in accordance with generally accepted accounting principles consistently
applied, accurate and complete records concerning the Collateral; at Secured
Party's request, will mark any of such records and all or any of the Collateral
to give notice of the security interest; and will permit Secured Party or its
agents to examine and inspect the Collateral and to audit and make abstracts of
such records or any of the Debtor's books, ledgers, reports, correspondence or
other records at any time, wherever located, and in connection therewith,
Secured Party or its agents may enter upon any premises of Debtor and Debtor
expressly waives any and all claims for damage or trespass or other injury
occasioned thereby.

         11.      Debtor will pay promptly when due all taxes and assessments
upon the Collateral or for its use or operation or upon this agreement or upon
any note or notes evidencing the Obligations, or any of them.

         12.      If any certificate of title may be issued with respect to any
of the Collateral, Debtor will cause Secured Party's interest hereunder to be
noted on the certificate and will deliver the original certificate to Secured
Party. Debtor, upon demand, will also deliver to Secured Party any documents of
title and any chattel paper representing or relating to the Collateral or any
part thereof, schedules, invoices, shipping or delivery receipts, purchase
orders, contracts or other documents representing or relating to purchases or
other acquisitions or sales, or leases or other dispositions of the Collateral
and proceeds thereof and any and all other schedules, documents and statements
which Secured Party may from time to time request.

         13.      At its option, Secured Party may discharge taxes, liens or
security interests or other encumbrances at any time levied or placed on the
Collateral, may pay for insurance on the Collateral, and may pay for the
maintenance and preservation of the Collateral. Debtor agrees to reimburse
Secured Party on demand for any payment made, or any expense incurred, by
Secured Party, pursuant to the foregoing authorization. Until default, Debtor
may have possession of the Collateral and use it in any lawful manner not
inconsistent with this agreement and not inconsistent with any policy of
insurance thereon.

         14.      In the event that Secured Party deems it necessary to require
that the outstanding indebtedness be secured by additional property, Debtor
shall, upon demand by Secured Party, cause sufficient additional property to
become subject to Secured Party's security interest under this agreement.

         15.      Debtor shall be in default of this agreement upon the
happening of any of the following events or conditions: (a) failure of any
Obligor (which term as used herein shall mean each Debtor and each other party
primarily or secondarily or contingently liable on any of the Obligations) to
pay when due (whether by acceleration or otherwise), any amount payable on any
of the Obligations; (b) any warranty, representation, or statement made or
furnished to Secured Party by or on behalf of any Obligor proves to have been
false in any material respect when made or furnished; (c) loss, theft,
substantial damage, destruction, sale or encumbrance to or of any of the
Collateral, or the making of any levy, seizure, or attachment thereof or
thereon; (d) the death of any Obligor; (e) the filing of any petition under the
Bankruptcy Code, or any similar Federal or state statute, by or against any
Obligor; (f) the filing of an application for the appointment of a receiver
for, the making of a general assignment for the benefit of creditors by, or the
insolvency of any Obligor; (g) the entry of a judgment against any Obligor; (h)
the issuing of any attachment or garnishment or the filing of any lien, against
any property of any Obligor; (i) the taking of possession of any substantial
part of the property of any Obligor at the instance of any governmental
authority; (j) the dissolution, incompetency, consolidation or reorganization
of any Obligor.

         16.      Upon the occurrence of any such default or upon the happening
of any default as defined in any note evidencing any of the Obligations or in
any other agreement or instrument securing or otherwise related to any of the
Obligations, or at any time thereafter, or whenever Secured Party feels insecure
for any reason whatsoever, Secured Party may, at its option, declare all
Obligations of each Debtor to Secured Party immediately due and payable without
demand or notice of any kind and the same thereupon shall become and be due and
payable (but with such adjustments, if any, with respect to interest, or other
charges as may be provided for in the promissory note or other writing
evidencing such liability); shall have the remedies of a secured party under the
Uniform Commercial Code of Florida and any and all rights and remedies available
to it under any other applicable law; may set off against the Obligations, all
monies then owed to Debtor by Secured Party in any capacity whether or not due
and Secured Party shall be deemed to have exercised its right of set-off
immediately at the time its right to such election accrues even though charge is
made or entered on the books of Secured Party subsequent thereto; and upon
request or demand of Secured Party, Debtor shall, at its expense, assemble the
Collateral and make it available to Secured Party at a convenient place
acceptable to Secured Party; and Debtor shall promptly pay all expenses of
retaking, holding, preparing for sale, selling, or the like, all expenses of
collection of any and all the Obligations, all expenses of any repairs to any of
the Collateral and expenses of any repairs to any realty or other property to
which any of the Collateral may be affixed or be a part and all other expenses
of enforcement of rights hereunder. Expenses of retaking, holding, preparing for
sale, selling or the like, expenses of collection and other expenses of
enforcement of rights hereunder shall include Secured Party's reasonable
attorneys' fees and legal expenses. In connection with the exercise of any
rights available upon default, Secured Party or its agent may enter upon the
premises of Debtor and Debtor expressly waives any and all claims for damage,
trespass or other injury occasioned thereby. Unless the Collateral is perishable
or threatens to decline speedily in value or is of a type customarily sold on a
recognized market, Secured Party will give Debtor reasonable notice of the time
and place of any public sale thereof or of the time after which any private sale
or any other intended disposition thereof is to be made. The requirements of
reasonable notice shall be met if such notice is mailed, postage prepaid, to any
Debtor at the address of Debtor shown at the beginning of this agreement or at
any other address shown on the records of Secured Party, at least five days
before the time of the sale or disposition. Upon disposition of any Collateral,
Debtor shall be and remain liable for any deficiency; and Secured Party shall
account to Debtor for any surplus, but Secured Party shall have the right to
apply all or any part of such surplus (or to hold the same as a reserve against)
all or any of the Obligations of each Debtor to Secured Party, whether or not
they, or any of them, be then due, or in such order of application as Secured
Party may from time to time elect.

         17.      No waiver by Secured Party of any default shall operate as a
waiver of any other default or of the same default on a future occasion. No
delay or omission on the part of Secured Party in exercising any right or remedy
shall operate as a waiver thereof, and no single or partial exercise by Secured
Party of any right or remedy shall preclude any other or further exercise
thereof or the exercise of any other right or remedy. Time is of the essence of
this agreement. The provisions of this agreement are cumulative and in addition
to the provisions of any note secured by this agreement, and Secured Party shall
have all the benefits, rights and remedies of and under any note secured hereby.
If more than one party shall execute this agreement, the term "Debtor" shall
mean all parties signing this agreement and each of them, and all such parties
shall be jointly and severally obligated and liable hereunder. The singular
pronoun, when used herein, shall include the plural. If this agreement is not
dated when executed by the Debtor, the Secured Party is authorized, without
notice to the Debtor, to date this agreement. This agreement shall become
effective as of the date of this agreement. All rights of Secured Party
hereunder shall inure to the benefit of its successors and assigns; and all
Obligations of Debtor shall bind the heirs, executors, administrators,
successors and assigns of each Debtor.

         18.      This agreement has been delivered in the State of Florida and
shall be construed in accordance with the laws of Florida. Wherever possible,
each provision of this agreement shall be interpreted in such manner as to be
effective and valid under applicable law, but if any provision of this
agreement shall be prohibited by or invalid under applicable law, such
provision shall be ineffective to the extent of such prohibition or invalidity,
without invalidating the remainder of such provision or the remaining
provisions of this agreement. This agreement may not be modified or amended nor
shall any provision of it be waived except by a writing signed by the parties.

         IN WITNESS WHEREOF, this agreement has been duly executed as of the
13th day of December, 1993.

Signed, sealed and delivered
in the presence of:                                           [SEAL]
                                    --------------------------

                                                              [SEAL]
-----------------------------       --------------------------
                                    RADIO METRIX, INC.

                                  By: /s/ S. A. Michael       [SEAL]
-----------------------------       --------------------------
                                            Debtor

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