Document:

EXHIBIT 10.67

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THIS NOTE HAS NOT BEEN  REGISTERED  UNDER THE SECURITIES ACT OF 1933, AS AMENDED
(THE  "SECURITIES  ACT"),  OR ANY  STATE  SECURITIES  LAW AND  MAY NOT BE  SOLD,
TRANSFERRED OR OTHERWISE  DISPOSED OF UNLESS REGISTERED UNDER THE SECURITIES ACT
AND UNDER  APPLICABLE  STATE  SECURITIES  LAWS OR RAMP  CORPORATION  SHALL  HAVE
RECEIVED AN OPINION OF COUNSEL THAT  REGISTRATION OF SUCH  SECURITIES  UNDER THE
SECURITIES ACT AND UNDER THE PROVISIONS OF APPLICABLE  STATE  SECURITIES LAWS IS
NOT REQUIRED.

                                RAMP CORPORATION

                           CONVERTIBLE PROMISSORY NOTE

U.S. $50,000                                                  New York, New York
No.: PN-11-03                                                   December 1, 2004

                  FOR VALUE  RECEIVED,  the  undersigned,  RAMP  CORPORATION,  a
Delaware  corporation  (the  "Company"),  hereby promises to pay to the order of
Design Investments, Ltd., or any future permitted holder of this promissory note
(the "Payee"), at the principal office of the Payee set forth herein, or at such
other place as the Payee may designate in writing to the Company,  the principal
sum of up to Fifty Thousand Dollars (U.S. $50,000),  or such other amount as may
be outstanding hereunder, together with all accrued but unpaid interest, in such
coin or currency  of the United  States of America as at the time shall be legal
tender for the payment of public and private debts and in immediately  available
funds, as provided in this  promissory note (the "Note").  This Note is the Note
referred to in the Note Purchase Agreement dated as of November 22, 2004 between
the  Company  and the  purchasers  named  therein  (the  "Purchase  Agreement").
Concurrently  with the  issuance of this Note,  the Company is issuing  separate
notes to separate  purchasers  pursuant to the  Purchase  Agreement  (the "Other
Notes").  Capitalized  terms used and not  otherwise  defined  herein  shall the
meanings set forth for such terms in the Purchase Agreement.

         1. Principal and Interest Payments; Transaction.

                  (a) The  Company  shall  repay  in full  (or the  Note  may be
automatically  converted  pursuant  to Section 2 hereof)  the  entire  principal
balance  then  outstanding  under  this  Note on the  earliest  to occur of (the
"Maturity  Date"):  (i) ninety (90) days  following  the date  hereof,  (ii) the
consummation of a Transaction (as defined in Section 1(c) hereof),  or (iii) the
acceleration of the obligations as contemplated by this Note.

                  (b) Interest on the outstanding principal balance of this Note
shall  accrue  at a rate of:  (i) six  percent  (6%) per  annum  for the  period
commencing  on the date hereof  through the  Maturity  Date.  Interest  shall be
computed on the basis of the actual  number of days  elapsed and a year of three
hundred and sixty (360) days and shall be payable on the  Maturity  Date in cash
or, if  converted  by the  Company  in  accordance  with  Section  2 hereof,  in
securities  of the  Company.  Upon the  occurrence  of an Event of  Default  (as

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defined in Section 5 hereof),  then to the extent  permitted by law, the Company
will pay interest to the Payee, payable on demand, on the outstanding  principal
balance of this Note from the date of the Event of Default until payment in full
at the rate of ten percent (10%) per annum.

                  (c) For purposes of this Note, a "Transaction"  shall mean the
consummation of a transaction  with any third party for the sale of Common Stock
or any securities of the Company  convertible,  exercisable or exchangeable into
Common Stock, including debt securities or convertible securities,  in a private
or  public  offering,  with  gross  proceeds  to the  Company  of a  minimum  of
$1,000,000.

         2. Mandatory Conversion; Issuance of Certificates.

                  (a) At the Maturity Date, the outstanding  principal amount of
this Note plus all accrued but unpaid interest shall be due and payable in cash;
provided,  however,  at any time while this Note is outstanding  the outstanding
principal  amount  of this Note  plus any  accrued  but  unpaid  interest  shall
automatically,   and  without  further  action,  convert  into  such  number  of
securities of the Company issued to investor(s) in a Transaction  ("Securities")
equal to on hundred and twenty  percent  (120%) of the principal  amount of this
Note, plus any accrued but unpaid interest being converted.

                  (b) Upon the  conversion  of this  Note plus all  accrued  but
unpaid interest into Securities,  the outstanding principal amount of this Note,
together  with all  accrued  but  unpaid  interest,  shall be  deemed  to be the
consideration paid for the Payee's ownership of the Securities.

                  (c) The Company  shall,  not later than five (5) trading  days
after the conversion of this Note,  issue and deliver to the Payee a certificate
or certificates  representing  the Securities being acquired upon the conversion
of this Note.

         3. Payment on Non-Business Days.  Whenever any payment to be made shall
be due on a Saturday,  Sunday or a public holiday under the laws of the State of
New York, such payment may be due on the next succeeding business day.

         4.   Representations  and  Warranties  of  the  Company.   The  Company
represents and warrants to the Payee as follows:

                  (a) The  Company  has been duly  incorporated  and is  validly
existing and in good standing under the laws of the State of Delaware, with full
corporate  power and authority to own,  lease and operate its  properties and to
conduct its business as currently conducted.

                  (b) This Note has been duly  authorized,  validly executed and
delivered on behalf of the Company and is a valid and binding  obligation of the
Company enforceable against the Company in accordance with its terms, subject to
limitations on enforcement by general  principles of equity and by bankruptcy or
other laws affecting the  enforcement of creditors'  rights  generally,  and the
Company has full power and  authority  to execute  and deliver  this Note and to
perform its obligations hereunder.

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                  (c) The execution,  delivery and performance of this Note will
not (i)  conflict  with or result  in a breach of or a default  under any of the
terms or  provisions  of, (A) the  Company's  certificate  of  incorporation  or
by-laws, or (B) any material provision of any indenture, mortgage, deed of trust
or other material  agreement or instrument to which the Company is a party or by
which it or any of its material  properties or assets is bound, (ii) result in a
violation of any material provision of any law, statute,  rule,  regulation,  or
any existing applicable decree, judgment or order by any court, federal or state
regulatory  body,  administrative  agency,  or other  governmental  body  having
jurisdiction  over the Company,  or any of its material  properties or assets or
(iii)  result in the creation or  imposition  of any  material  lien,  charge or
encumbrance  upon any  material  property or assets of the Company or any of its
subsidiaries  pursuant to the terms of any  agreement or instrument to which any
of them is a party or by which any of them may be bound or to which any of their
property or any of them is subject except in the case of clauses (i)(B) or (iii)
for any  such  conflicts,  breaches,  or  defaults  or any  liens,  charges,  or
encumbrances  which would not have a Material  Adverse Effect (as defined in the
Purchase Agreement).

                  (d) Except as disclosed in the Purchase Agreement, no consent,
approval or  authorization  of or  designation,  declaration  or filing with any
governmental authority on the part of the Company is required in connection with
the valid execution and delivery of this Note.

         5. Events of Default.  The  occurrence of any of the  following  events
shall be an "Event of Default" under this Note:

                  (a) the  Company  shall fail to make the payment of any amount
of any  principal  outstanding  on the date such  payment  shall  become due and
payable hereunder; or

                  (b) the Company  shall fail to make the  interest  payments on
the date such payment shall become due and payable hereunder; or

                  (c) any representation,  warranty or certification made by the
Company herein, in the Transaction  Documents or in any certificate or financial
statement  shall prove to have been false or incorrect or breached in a material
respect on the date as of which made; or

                  (d) the holder of any  indebtedness  of the  Company or any of
its  subsidiaries  shall  accelerate  any  payment  of any  amount or amounts of
principal or interest on any indebtedness (the  "Indebtedness")  (other than the
Indebtedness  hereunder  and the Other  Notes)  prior to its stated  maturity or
payment date the aggregate  principal  amount of which  Indebtedness of all such
persons is in excess of $500,000,  whether such Indebtedness now exists or shall
hereinafter be created, and such accelerated payment entitles the holder thereof
to  immediate  payment  of such  Indebtedness  which is due and  owing  and such
indebtedness  has not been discharged in full or such  acceleration has not been
stayed,   rescinded  or  annulled   within  ten  (10)   business  days  of  such
acceleration; or

                  (e) A  judgment  or order for the  payment  of money  shall be
rendered against the Company or any of its subsidiaries in excess of $500,000 in
the aggregate (net of any applicable  insurance coverage) for all such judgments
or orders against all such persons (treating any deductibles,  self insurance or

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retention  as not so  covered)  that  shall  not be  discharged,  and  all  such
judgments and orders remain outstanding,  and there shall be any period of sixty
(60)  consecutive  days  following  entry of the  judgment or order in excess of
$500,000 or the judgment or order which causes the  aggregate  amount  described
above to exceed  $500,000 during which a stay of enforcement of such judgment or
order, by reason of a pending appeal or otherwise, shall not be in effect; or

                  (f)  the  Company  shall  (i)  apply  for  or  consent  to the
appointment of, or the taking of possession by, a receiver,  custodian,  trustee
or  liquidator  of itself or of all or a  substantial  part of its  property  or
assets,  (ii) make a general assignment for the benefit of its creditors,  (iii)
commence a voluntary case under the Bankruptcy Code or under the comparable laws
of any jurisdiction (foreign or domestic),  (iv) file a petition seeking to take
advantage of any bankruptcy,  insolvency,  moratorium,  reorganization  or other
similar law  affecting  the  enforcement  of creditors'  rights  generally,  (v)
acquiesce in writing to any petition  filed  against it in an  involuntary  case
under the  Bankruptcy  Code or under  the  comparable  laws of any  jurisdiction
(foreign  or  domestic),  or  (vi)  take  any  action  under  the  laws  of  any
jurisdiction (foreign or domestic) analogous to any of the foregoing;  provided,
however,  that any "going concern" limitation or qualification  contained in any
report  of  the  Company's  independent  public  accountants  contained  in  the
Company's financial statements or SEC Documents shall not be an Event of Default
under this Note; or

                  (g) a proceeding  or case shall be commenced in respect of the
Company or any of its  subsidiaries  without its application or consent,  in any
court of competent  jurisdiction,  seeking (i) the liquidation,  reorganization,
moratorium,  dissolution,  winding up, or  composition  or  readjustment  of its
debts, (ii) the appointment of a trustee, receiver, custodian, liquidator or the
like of it or of all or any  substantial  part of its  assets  or (iii)  similar
relief in respect of it under any law providing  for the relief of debtors,  and
such  proceeding or case  described in clause (i), (ii) or (iii) shall  continue
undismissed,  or unstayed and in effect,  for a period of sixty (60) consecutive
days or any order for relief shall be entered in an  involuntary  case under the
Bankruptcy  Code or under the comparable  laws of any  jurisdiction  (foreign or
domestic)  against the Company or any of its  subsidiaries  or action  under the
laws of any jurisdiction (foreign or domestic) analogous to any of the foregoing
shall be taken with respect to the Company or any of its  subsidiaries and shall
continue  undismissed,  or  unstayed  and in effect  for a period of sixty  (60)
consecutive days.

         6. Remedies Upon An Event of Default. If an Event of Default shall have
occurred and shall be continuing,  the Payee of this Note may at any time at its
option,  (a) declare the entire unpaid principal balance of this Note,  together
with all accrued but unpaid interest,  due and payable, and thereupon,  the same
shall be accelerated and so due and payable;  provided,  however,  that upon the
occurrence of an Event of Default  described in Sections  5(f) and (g),  without
presentment,  demand,  protest,  or notice,  all of which are  hereby  expressly
unconditionally and irrevocably waived by the Company, the outstanding principal
balance of this Note plus all accrued but unpaid interest shall be automatically
due and payable;  or (b)  exercise or  otherwise  enforce any one or more of the
Payee's rights,  powers,  privileges,  remedies and interests under this Note or
applicable  law. No course of delay on the part of the Payee shall  operate as a
waiver  thereof  or  otherwise  prejudice  the  right of the  Payee.  No  remedy
conferred  hereby shall be  exclusive of any other remedy  referred to herein or

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now or  hereafter  available  at  law,  in  equity,  by  statute  or  otherwise.
Notwithstanding  the  foregoing,  Payee  agrees  that its  rights  and  remedies
hereunder  are  limited  to  receipt  of cash or shares  of Common  Stock in the
amounts described herein.

         7.  Replacement.  Upon  receipt  of  a  duly  executed,  notarized  and
unsecured  written  statement from the Payee with respect to the loss,  theft or
destruction of this Note (or any replacement  hereof),  and without requiring an
indemnity bond or other security,  or, in the case of a mutilation of this Note,
upon  surrender  and  cancellation  of such Note,  the Company shall issue a new
Note,  of like tenor and  amount,  in lieu of such lost,  stolen,  destroyed  or
mutilated Note.

         8.  Parties in  Interest,  Transferability.  This Note shall be binding
upon the Company and its successors and assigns and the terms hereof shall inure
to the benefit of the Payee and its successors and permitted assigns.  This Note
may not be transferred,  sold,  pledged,  hypothecated  or otherwise  granted as
security by the Payee.

         9.  Amendments.  This Note may not be modified or amended in any manner
except in writing executed by the Company and the Payee.

         10. Notices. Any notice, demand, request, waiver or other communication
required or  permitted  to be given  hereunder  shall be in writing and shall be
effective upon delivery by telecopy, facsimile or prepaid courier service at the
address or number designated below (if delivered on a business day during normal
business  hours where such notice is to be received),  or the first business day
following such delivery (if delivered other than on a business day during normal
business  hours where such  notice is to be  received).  The  Company  will give
written notice to the Payee at least twenty (20) days prior to the date on which
dissolution,  liquidation  or  winding-up  will take place and in no event shall
such notice be provided to the Payee prior to such information  being made known
to the public.

       Address of the Payee:    Briarwood Investments
                                9 Tanbark Circuit
                                Werrington Downs
                                NSW 2747 Australia
                                Attention:
                                Tel. No.: (      )
                                Fax No.: (      )

       With a copy to:          Attention:
                                Tel. No.: (     )
                                Fax No.: (      )

       Address of the Company:  Ramp Corporation
                                33 Maiden Lane, 5th Floor
                                New York, New York 10038
                                Attention: Andrew Brown, Chief Executive Officer
                                Tel. No.: (212) 440-1548
                                Fax No.: (509) 757-4801

                                      -6-
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       with a copy to:          Jenkens & Gilchrist Parker Chapin LLP
                                The Chrysler Building
                                405 Lexington Avenue
                                New York, New York 10174
                                Attention:  Martin Eric Weisberg, Esq.
                                Tel. No.: (212) 704-6000
                                Fax No.: (212) 704-6288

         11.  Governing  Law.  This Note shall be governed by and  construed  in
accordance  with the  internal  laws of the  State of New York,  without  giving
effect to the choice of law  provisions.  This Note shall not be  interpreted or
construed  with any  presumption  against  the  party  causing  this  Note to be
drafted.

         12.  Headings.  Article and section  headings in this Note are included
herein for purposes of  convenience of reference only and shall not constitute a
part of this Note for any other purpose.

         13.  Remedies,  Characterizations,   Other  Obligations,  Breaches  and
Injunctive Relief. The remedies provided in this Note shall be cumulative and in
addition to all other  remedies  available  under this Note, at law or in equity
(including,  without limitation,  a decree of specific  performance and/or other
injunctive  relief),  no  remedy  contained  herein  shall be deemed a waiver of
compliance  with the  provisions  giving rise to such remedy and nothing  herein
shall  limit a Payee's  right to pursue  actual  damages  for any failure by the
Company to comply with the terms of this Note. Amounts set forth or provided for
herein with respect to payments and the like (and the computation thereof) shall
be the amounts to be received  by the Payee and shall not,  except as  expressly
provided  herein,  be subject to any other  obligation  of the  Company  (or the
performance  thereof).  The  Company  acknowledges  that a  breach  by it of its
obligations  hereunder will cause irreparable and material harm to the Payee and
that the remedy at law for any such  breach  may be  inadequate.  Therefore  the
Company agrees that, in the event of any such breach or threatened  breach,  the
Payee shall be entitled, in addition to all other available rights and remedies,
at law or in equity, to seek and obtain such equitable relief, including but not
limited to an  injunction  restraining  any such  breach or  threatened  breach,
without the  necessity  of showing  economic  loss and without any bond or other
security being required.

         14. Failure or Indulgence  Not Waiver.  No failure or delay on the part
of the Payee in the exercise of any power,  right or privilege  hereunder  shall
operate as a waiver  thereof,  nor shall any single or partial  exercise  of any
such power,  right or privilege preclude other or further exercise thereof or of
any other right, power or privilege.

         15.  Enforcement  Expenses.  The  Company  agrees  to pay all costs and
expenses of enforcement of this Note, including, without limitation,  reasonable
attorneys' fees and expenses.

         16. Binding  Effect.  The  obligations of the Company and the Payee set
forth  herein  shall be binding  upon the  successors  and  assigns of each such
party,  whether or not such  successors  or assigns are  permitted  by the terms
hereof.

                                      -7-
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         17.   Compliance  with   Securities   Laws.  The  Payee  of  this  Note
acknowledges that this Note is being acquired solely for the Payee's own account
and not as a nominee for any other party, and for investment, and that the Payee
shall not offer, sell or otherwise dispose of this Note other than in compliance
with the laws of the United  States of America and as guided by the rules of the
Securities and Exchange  Commission.  This Note, any Note issued in substitution
or  replacement  therefore  and  the  Note  Payment  Shares  or,  if  converted,
Securities,  shall be stamped or imprinted  with a legend in  substantially  the
following form:

         "THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF
         1933,  AS  AMENDED  (THE  "SECURITIES   ACT"),  OR  ANY  STATE
         SECURITIES  LAW AND MAY NOT BE SOLD,  TRANSFERRED OR OTHERWISE
         DISPOSED OF UNLESS  REGISTERED  UNDER THE  SECURITIES  ACT AND
         UNDER APPLICABLE  STATE SECURITIES LAWS OR KNIGHTSBRIDGE  FINE
         WINES,  INC.  SHALL HAVE  RECEIVED AN OPINION OF COUNSEL  THAT
         REGISTRATION OF SUCH  SECURITIES  UNDER THE SECURITIES ACT AND
         UNDER THE PROVISIONS OF APPLICABLE  STATE  SECURITIES  LAWS IS
         NOT REQUIRED."

         18. Severability. The provisions of this Note are severable, and if any
provision  shall be held  invalid  or  unenforceable  in whole or in part in any
jurisdiction,  then such invalidity or unenforceability  shall not in any manner
affect such provision in any other  jurisdiction  or any other provision of this
Note in any jurisdiction.

         19.  Consent to  Jurisdiction.  Each of the  Company  and the Payee (i)
hereby  irrevocably  submits to the  jurisdiction  of the United States District
Court  sitting in the Southern  District of New York and the courts of the State
of New York located in New York county for the  purposes of any suit,  action or
proceeding  arising out of or relating to this Note and (ii) hereby waives,  and
agrees not to assert in any such suit,  action or proceeding,  any claim that it
is not  personally  subject to the  jurisdiction  of such court,  that the suit,
action or  proceeding is brought in an  inconvenient  forum or that the venue of
the suit,  action or proceeding  is improper.  Each of the Company and the Payee
consents  to process  being  served in any such suit,  action or  proceeding  by
mailing a copy  thereof  to such  party at the  address  set forth in Section 13
hereof and agrees that such service shall constitute good and sufficient service
of process and notice thereof.  Nothing in this Section 19 shall affect or limit
any right to serve process in any other manner permitted by law.

         20. Company Waivers.  Except as otherwise specifically provided herein,
the  Company  and all others  that may become  liable for all or any part of the
obligations evidenced by this Note, hereby waive presentment,  demand, notice of
nonpayment,  protest and all other  demands and notices in  connection  with the
delivery,  acceptance,  performance  and enforcement of this Note, and do hereby
consent to any number of renewals of  extensions  of the time or payment  hereof
and agree that any such renewals or extensions may be made without notice to any
such persons and without affecting their liability herein and do further consent
to the release of any person liable hereon,  all without affecting the liability
of the other persons,  firms or Company liable for the payment of this Note, and
do hereby waive trial by jury.

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                  (a)  No  delay  or  omission  on the  part  of  the  Payee  in
exercising  its rights under this Note,  or course of conduct  relating  hereto,
shall  operate as a waiver of such rights or any other  right of the Payee,  nor
shall any waiver by the Payee of any such right or rights on any one occasion be
deemed a waiver of the same right or rights on any future occasion.

                  (b) THE COMPANY  ACKNOWLEDGES  THAT THE  TRANSACTION  OF WHICH
THIS NOTE IS A PART IS A COMMERCIAL  TRANSACTION,  AND TO THE EXTENT  ALLOWED BY
APPLICABLE  LAW,  HEREBY  WAIVES ITS RIGHT TO NOTICE AND HEARING WITH RESPECT TO
ANY  PREJUDGMENT  REMEDY WHICH THE PAYEE OR ITS SUCCESSORS OR ASSIGNS MAY DESIRE
TO USE.

                            [Signature Page Follows]

                                      -9-
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         IN WITNESS WHEREOF, the Company has executed and delivered this Note as
of the date first written above.

                                               RAMP CORPORATION

                                               By:
                                                   ---------------------------
                                                   Name:
                                                   Title:

                                      -10-EXHIBIT 10.68

<PAGE>

THIS NOTE HAS NOT BEEN  REGISTERED  UNDER THE SECURITIES ACT OF 1933, AS AMENDED
(THE  "SECURITIES  ACT"),  OR UNDER  THE  SECURITIES  LAW OF ANY  STATE OR OTHER
JURISDICTION.  NEITHER THIS NOTE NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE
OFFERED,  SOLD,  ASSIGNED,  TRANSFERRED,  PLEDGED,  ENCUMBERED,  HYPOTHECATED OR
OTHERWISE DISPOSED OF, UNLESS REGISTERED  PURSUANT TO AN EFFECTIVE  REGISTRATION
STATEMENT  UNDER THE SECURITIES ACT OR PURSUANT TO A TRANSACTION  THAT IS EXEMPT
FROM,  OR NOT SUBJECT  TO, SUCH  REGISTRATION  UNDER THE  SECURITIES  ACT OR ANY
APPLICABLE STATE SECURITIES LAWS.

                                 PROMISSORY NOTE

U.S. $1,147,288.76                                        As of December 1, 2004

         For value  received,  the  undersigned,  Ramp  Corporation,  a Delaware
corporation (the "Maker"),  promises to pay to the order of Cherryblossom  Ltd.,
an Anguilla  corporation (the "Holder"),  the aggregate  principal amount of ONE
MILLION ONE HUNDRED FORTY-SEVEN  THOUSAND TWO HUNDRED  EIGHTY-EIGHT  DOLLARS AND
SEVENTY-SIX CENTS (US  $1,147,288.76),  without interest on the unpaid principal
amount of this Promissory Note (the "Note"). All payments by the Maker hereunder
shall be made in United States Dollars and in immediately available funds.

         1. Maturity Date and Payment.

         (a) The outstanding principal amount of this Note, plus all accrued and
unpaid  financing  fees  under  the , shall be due and  payable  by Maker on the
Maturity Date. For purposes of this  Agreement,  the term "Maturity  Date" shall
mean the earliest to occur of any of the following events:

         (i)      forty-five  (45) days  following the date hereof (the "Initial
                  Term") or January 14, 2005; and

         (ii)     upon the  occurrence  of an Event of  Default  (as  defined in
                  Section 4 hereof).

         (b) The Maker may prepay all or a portion of the outstanding principal,
at any time and from time to time, prior to the Maturity Date without premium or
penalty.  Each  prepayment  shall be  applied  first to the  payment of all fees
accrued  hereunder  on the date of any  prepayment,  and the balance of any such
prepayment shall be applied to the principal amount hereof.

         2.  Holder's  Representations  and  Warranties.  As of the date of this
Note,  the  Holder  represents  and  warrants  to the Maker  that:  (a) it is an
"accredited  investor" as defined  under Rule 501(a) of Regulation D promulgated
under the Securities Act, (b) it is not a "U.S.  person",  as defined under Rule
902(o) of Regulation S of the  Securities  Act and is not acquiring the Note for
the account or benefit of any U.S. person,  (c) the Holder is acquiring the Note
in an "offshore transaction", as defined in Rule 902(i) of Regulation S, (d) the
Note was not  offered  to the Holder in the United  States  and,  at the time of
execution  of this Note and the time of any offer to the Holder  hereunder,  the
Holder was physically located outside of the United States, and (e) the Note has
been sold pursuant to Regulation S under the Securities Act.

                                      -2-
<PAGE>

         3. Events of Default.  The occurrence at any time of any one or more of
the following events shall constitute an "Event of Default" under this Note: (a)
the Maker's  failure to pay any principal,  interest or other amount if and when
due  under  this  Note and  such  breach  shall  continue  uncured  for five (5)
consecutive  days; (b) failure of the Maker to perform any of its agreements and
obligations  under this Note or any other agreement  entered into by and between
the  Holder  and  the  Maker,  or a  material  breach  of  any  of  the  Maker's
representations  and  warranties  or other  obligations  under this Note, or any
other agreement  entered into by and between the Holder and the Maker,  and such
failure to perform or material breach shall continue uncured for a period of ten
(10) business days after notice from the Holder; (c) a material breach of any of
the Maker's  covenants under this Note, or any other  agreement  entered into by
and between the Holder and the Maker, and such breach shall continue uncured for
a period of ten (10)  business days after notice from the Holder of such breach;
(d) the  dissolution,  liquidation or termination of the legal  existence of the
Maker; (e) the appointment of a receiver, trustee or similar judicial officer or
agent to take charge of or  liquidate  any  property of assets of the Maker,  or
action  by any court to take  jurisdiction  of all or  substantially  all of the
property  or assets of the Maker;  and (f) the  commencement  of any  proceeding
under any  provision  of the  Bankruptcy  Code of the United  States,  as now in
existence or hereafter amended,  or of any other proceeding under any federal or
state law,  now  existing  or  hereafter  in  effect,  relating  to  bankruptcy,
reorganization,  insolvency, liquidation or otherwise, for the relief of debtors
or readjustment of indebtedness, by or against the Maker.

         4. Remedies. Upon the occurrence of an Event of Default, subject to any
notice and cure periods as provided herein,  the Holder shall have the immediate
right, at its sole discretion, and without further notice, demand,  presentment,
notice of nonpayment or nonperformance,  protest,  notice of protest,  notice of
intent to accelerate,  notice of acceleration or any other notice,  all of which
are hereby  irrevocably and  unconditionally  waived by the Maker to declare the
entire unpaid principal  balance,  and all accrued but unpaid interest and costs
at once immediately due and payable (and upon such  declaration,  the same shall
be at once immediately due and payable) and may be collected forthwith,  whether
or not  there  has  been a  prior  demand  for  payment  and  regardless  of the
stipulated Maturity Date.

         5. Maximum  Interest  Rate.  It is the intention of the Holder that the
interest on the Note that may be charged to, collected from or received from the
Maker  shall not exceed the  maximum  rate  permissible  under  applicable  law.
Accordingly, anything in this Note to the contrary notwithstanding, in the event
any  interest is charged to,  collected  from or received  from the Maker by the
Holder  pursuant  hereto or thereto in excess of such maximum lawful rate,  then
the excess of such payment over that maximum  shall be applied to the  reduction
of the outstanding principal balance of the Note (without any prepayment premium
or penalty),  and any portion of such excess payment remaining after payment and
satisfaction in full of the Note shall be returned by the Holder to the Maker.

         6. Miscellaneous.

         (a)  Governing  Law;  Jurisdiction.  This Note shall be governed by and
construed and interpreted in accordance  with, the laws of the State of New York
without  regard to its  principles  of conflicts of laws or choice of laws.  The
Maker and the Holder unconditionally and irrevocably consent to the jurisdiction
of the federal and state courts located in the State of New York,  County of New
York with respect to any suit,  action or proceeding  arising out of or relating
to this Note,  and, by execution  and  delivery of this Note,  the Maker and the
Holder hereby accept for  respectively  for themselves,  and in respect of their
property,  generally  and  unconditionally  the  personal  jurisdiction  of  the
aforesaid  courts.  The  Maker  and  the  Holder  hereby   unconditionally   and
irrevocably waive any objection including,  without limitation, any objection to

                                      -3-
<PAGE>

the laying of venue or based on the grounds of forum non  conveniens  which they
may now or hereafter  have to the bringing of any such action or  proceeding  in
such courts. The Maker and the Holder hereby irrevocably  consent to the service
of process on an agent of any of the aforementioned courts in any such action or
proceeding by the mailing of copies  thereof by  registered  or certified  mail,
postage  prepaid.  Nothing  herein  shall  affect  the right of the Maker or the
Holder to serve  process in any manner  permitted  by law or to  commence  legal
proceedings  or  otherwise   proceed  against  the  other  party  in  any  other
jurisdiction.

         THE MAKER AND THE HOLDER  HEREBY  WAIVE ANY AND ALL RIGHTS  THAT IT MAY
NOW OR HEREAFTER HAVE UNDER THE LAWS OF THE UNITED STATES OF AMERICA,  ANY STATE
OR TERRITORY,  TO A TRIAL BY JURY OF ANY AND ALL ISSUES ARISING EITHER  DIRECTLY
OR INDIRECTLY  IN ANY ACTION OR  PROCEEDING  BETWEEN THE MAKER AND THE HOLDER OR
THEIR SUCCESSORS AND PERMITTED ASSIGNS, OUT OF OR IN ANY WAY CONNECTED WITH THIS
NOTE.

         (b)  Waiver  of  Presentment  and  Notice.  Subject  to the  terms  and
conditions  of this Note,  the Maker  hereby  waives  presentment  for  payment,
demand, notice of non-payment,  nonperformance or dishonor,  protest,  notice of
protest,  notice of intent to  accelerate,  and notice of  acceleration  of this
Note,  and all  other  notices  in  connection  with the  delivery,  acceptance,
performance,  default,  or  enforcement  of the terms of this Note and the Maker
hereby  agrees  that its  liability  under  this Note shall be  irrevocable  and
unconditional  and  shall  not be  affected  in any  manner  by any  indulgence,
extension of time,  renewal,  waiver or modification  granted or consented to by
the  Holder.  The  Maker  hereby  consents  to any and all  extensions  of time,
renewals,  waivers or modifications that may be granted by the Holder in writing
with  respect to the payment or other  provisions  of this Note.  Failure by the
Holder  to  insist  upon the  strict  performance  by the Maker of any terms and
provisions herein shall not be deemed to be a waiver of any terms and provisions
herein,  and the Holder shall retain the right  thereafter to insist upon strict
performance by the Maker of any and all terms and provisions of this Note or any
document securing the repayment of this Note.

         (c)  Replacement.  Upon  receipt  of a  duly  executed,  notarized  and
unsecured  written  statement from the Holder with respect to the loss, theft or
destruction of this Note (or any replacement  hereof),  and without requiring an
indemnity bond or other security,  or, in the case of a mutilation of this Note,
upon surrender and  cancellation of such Note, the Maker shall issue a new Note,
of like tenor and amount, in lieu of such lost,  stolen,  destroyed or mutilated
Note.

         (d)  Enforcement  Expenses.  The Maker agrees to pay all  out-of-pocket
costs and expenses  incurred by the Holder in connection with the enforcement of
this Note,  including,  without limitation,  all reasonable  attorneys' fees and
expenses.

         (e) Assignment.  Neither this Note nor any of the rights,  interests or
obligations  hereunder  may be assigned,  by operation of law or  otherwise,  in
whole or in part by the Maker to any person or entity,  except  with the consent
of the Holder.

         (f) Notices. All notices and other communications required or permitted
to be given pursuant to this Note shall be in writing signed by the sender,  and
shall be deemed duly given (i) on the date  delivered if  personally  delivered,
(ii)  on  the  date  sent  by  telecopier  with  automatic  confirmation  by the
transmitting  machine,  (iii) on the  business  day after  being sent by Federal
Express  or  another  recognized  overnight  mail  service  for next day or next
business day delivery,  or (iv) five business days after  mailing,  if mailed by
United States  postage-prepaid  certified or  registered  mail,  return  receipt
requested,  in each case  addressed to the Maker or the Holder at the  following
respective addresses:

                                      -4-
<PAGE>

               if to the Maker to:       Ramp Corporation
                                         33 Maiden Lane
                                         5th Floor
                                         New York, New York 10038
                                         Attention:  President
                                         Facsimile:  (212)  ______________

               with a copy to:           Jenkens & Gilchrist Parker Chapin LLP
                                         The Chrysler Building
                                         405 Lexington Avenue
                                         New York, NY 10174
                                         Facsimile:   (212) 704-6288
                                         Attention:  Martin Eric Weisberg, Esq.

               if to the Holder to:      Cherryblossom Ltd.
                                         ---------------------

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

                                         ---------------------
                                         Facsimile: (___) __-_____

               with a copy to:           Granot Strauss & Co.
                                         28th Floor
                                         7 Menachem Begin Street
                                         Ramat Gan 52521
                                         Israel
                                         Attention:  Richard Naimer, Esq.
                                         Facsimile No.:  _______________

or, as to each party, at such other address as shall be designated by such party
in a written  notice to the other party  complying as to delivery with the terms
of this paragraph.

         (g) Severability.  If any provision of this Note is found by a court of
competent  jurisdiction  to be invalid or  unenforceable  as  written,  then the
parties  intend and desire that such provision be enforceable to the full extent
permitted by law, and that the invalidity or  unenforceability of such provision
shall not affect the validity or enforceability of the remainder of this Note.

                                      -5-
<PAGE>

                  (h)  Headings.  Article and section  headings in this Note are
included  herein for purposes of  convenience  of  reference  only and shall not
constitute a part of this Note for any other purpose.

                                            RAMP CORPORATION

                                            By: _______________________________
                                                 Name:  Andrew Brown
                                                 Title: Chief Executive Officer

                                      -6-

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