Document:

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                                                                   EXHIBIT 10.24

                           INTERCOMPANY LOAN AGREEMENT

          THIS AGREEMENT, is made and entered into as of the 1st day of
          February, 1996, by and between THE ALLSTATE CORPORATION, a Delaware
          corporation (hereinafter called "ALLCORP"), and each of its direct and
          indirect wholly-owned subsidiaries (individually, "Subsidiary" and
          collectively, "Subsidiaries"),

                                   WITNESSETH

          WHEREAS, ALLCORP, from time to time during the period commencing on
February 1, 1996, may obtain financing by various means including, but not
limited to, issuing commercial paper notes in private placement transactions,
drawing on bank credit lines and entering into repurchase agreements;

          WHEREAS, the Subsidiaries, from time to time during said period, may
have need of additional short-term funding for general corporate purposes;

          WHEREAS, ALLCORP, in order to provide such short-term funding, may
advance some or all of the proceeds of such financings to one or more of the
Subsidiaries; and

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          WHEREAS, the parties hereto desire to enter into this Agreement for
the purpose of setting forth their respective undertakings concerning such
advances.

          NOW, THEREFORE, in consideration of the premises, the parties hereto
agree as follows:

          1. ALLCORP agrees, from time to time during the period commencing on
February 1, 1996, upon the written request of Subsidiary, and subject to the
terms hereof, to advance funds to Subsidiary to the extent that ALLCORP, in its
sole judgment, shall have funds available for that purpose. This undertaking by
ALLCORP shall be limited to an aggregate amount to all Subsidiaries not in
excess of $1 billion outstanding at any one time.

          2. Each advance shall bear interest on the outstanding principal
amount thereof, for each day from the date such advance is made until paid.
Interest on outstanding advances shall be due when the advance is paid.

          3. Subsidiary shall pay to ALLCORP, in consideration for each such
advance, interest on the aggregate unpaid principal amount of such advance at a
rate equal to the rate paid by ALLCORP on the transaction used by ALLCORP to
obtain financing to provide such funding to Subsidiary. Subsidiary shall repay
to ALLCORP, upon demand of ALLCORP and in any event on the maturity date, the

                                        2
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aggregate principal amount of all such advances together with accrued interest
to the date of repayment. Subsidiary shall also have the right to prepay all or
any part of any advances at any time without penalty but with interest accrued
to the date of prepayment.

          4. The obligation of any Subsidiary to repay each advance shall be
evidenced by a single promissory note of such Subsidiary substantially in the
form of Exhibit A attached hereto. The date, amount, interest rate and duration
of each advance made by ALLCORP to any Subsidiary, and each payment made on
account of such Subsidiary shall be recorded by ALLCORP on the schedule attached
to such note or any continuation thereof.

          5. No Subsidiary shall use any advance or any portion of any advance,
directly or indirectly, for the purpose of buying, carrying or trading
tax-exempt securities.

          6. This Agreement may be terminated by ALLCORP at any time upon
written notice to the Subsidiaries of its desire to terminate. This Agreement
may be terminated by any Subsidiary only as to itself at any time upon written
notice to ALLCORP of its desire to terminate. This Agreement shall terminate
automatically as to any Subsidiary immediately upon such Subsidiary ceasing to
be a Subsidiary. No termination shall affect any outstanding advances,

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which shall be repaid or honored in accordance with the terms of this Agreement.

          IN WITNESS WHEREOF, the parties hereto have caused this Agreement to
be signed as of the day and year first above written.

                           THE ALLSTATE CORPORATION

                           /s/ Thomas J. Wilson
                           --------------------
                           Thomas J. Wilson
                           Vice President and Chief Financial
                           Officer

                           ALLSTATE INSURANCE COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                           ALLSTATE INDEMNITY COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                           ALLSTATE PROPERTY AND CASUALTY INSURANCE
                           COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                                       4
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                           DEERBROOK INSURANCE COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                           ALLSTATE LIFE INSURANCE COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                           NORTHBROOK LIFE INSURANCE COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                           GLENBROOK LIFE INSURANCE COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                           GLENBROOK LIFE AND ANNUITY COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                                       5
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                           NORTHBROOK PROPERTY AND CASUALTY
                           INSURANCE COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                           NORTHBROOK INDEMNITY COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                           NORTHBROOK NATIONAL INSURANCE COMPANY

                           /s/ James P. Zils
                           -----------------
                           James P. Zils
                           Vice President and Treasurer

                                       6
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                                                                       EXHIBIT A

                                      NOTE

                                                       Northbrook, Illinois
                                                       February 1, 1996

          For value received, ALLSTATE INSURANCE COMPANY, an Illinois
corporation (the "Borrower"), promises to pay to the order of THE ALLSTATE
CORPORATION (the "Lender") the aggregate unpaid principal amount of the advances
made by the Lender to the Borrower under the Intercompany Loan Agreement on the
dates and in the principal amounts provided in the Intercompany Loan Agreement
with and to pay interest on unpaid principal amounts at the rates and on the
dates specified in the Intercompany Loan Agreement. All such payments of
principal and interest shall be made in lawful money of the United States in
federal or other immediately available funds at the office of the Lender,
Allstate Plaza, Northbrook, Illinois. This instrument shall be governed by and
construed in accordance with the laws of the state of Illinois.

          The date, amount, interest rate and maturity date of each advance made
by Lender to Borrower and each payment made on account of Borrower shall be
recorded by Lender on the schedule attached hereto or any continuation thereof.

                                                      ALLSTATE INSURANCE COMPANY

                                                      By
                                                        ------------------------
                                                      Title:
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<Table>
<Caption>
                     SCHEDULE OF ADVANCES
---------------------------------------------------------------
                                            Amount    Unpaid
Date of   Principal   Interest   Maturity   Paid or   Principal
Advance   Amount      Rate       Date       Prepaid   Amount
---------------------------------------------------------------
<S>       <C>         <C>        <C>        <C>       <C>
</Table>Exhibit 10.15                                                       GRANT NO. 34

                                  WARP 9, INC.
                       (FORMERLY ROAMING MESSENGER, INC.)

                                STOCK OPTION PLAN

                                  GRANT NO. 34
                               -----------------

         THIS STOCK OPTION  AGREEMENT (the  "Agreement")  is dated as of OCTOBER
16, 2006 by and between Warp 9, Inc., a Nevada corporation (the "Company"),  and
HARINDER  DHILLON (the  "Optionee")  pursuant to the Company's 2003 Stock Option
Plan for Directors, Executive Officers, Employees and Key Consultants of Roaming
Messenger,  Inc.  and  its  Subsidiaries  (the  "Plan").  For  purposes  of this
Agreement, references to "Company" include its Parent and Subsidiaries (as those
terms are defined in the Plan).

         Pursuant  to   authorization   by  the   Committee  of  the  Plan  (the
"Committee")  appointed by the Board of  Directors  of the Company,  the parties
agree as follows:

         1.       GRANT OF OPTION.

         The Company  hereby grants to the Optionee the right (the  "Option") to
purchase all or any portion of EIGHT MILLION  (8,000,000)  shares (the "Shares")
of the  unregistered  Common  Stock of the  Company  (the  "Common  Stock") at a
purchase price of $0.01 per share (the "Option Price").

         2.       TERM OF AGREEMENT.

         This  Agreement  shall  terminate  upon the  earliest of the  following
events:

                  (a)  Four (4)  years  from  the  date of  vesting  of the last
         Options to vest pursuant to this Agreement, but no longer than ten (10)
         years from the date of grant of the Option.

                  (b) In the case of the termination of the Optionee's  position
         as the  President  and Chief  Executive  Officer of the  Company,  this
         Agreement  shall  terminate with respect to all unvested  Options as of
         the date of such termination.

                  (c) In the case of the termination of the Optionee's  position
         as an officer and director and employee and  consultant of the Company,
         as the case may be,  which  results  in a  "Severance"  as  defined  in
         Section 2(t) of the Plan,  this Agreement  shall terminate with respect
         to vested  Options,  on the earlier of (i) four (4) years from the date
         of vesting, but no longer than ten (10) years from the date of grant of
         the  Option  or (ii) one (1) year  from  the date of  Severance  if the
         Optionee  was disabled  (within the meaning of Section  22(e)(3) of the
         Internal  Revenue Code) at the time of his or her  Severance,  or (iii)
         ninety (90) days immediately subsequent to his or her Severance for any
         reason.

                  (d) Neither the  Optionee's  termination  as the President and
         Chief  Executive  Officer of the Company nor the  Optionee's  Severance
         (whether by reason of death or otherwise)  shall  accelerate the number
         of Shares with respect to which an Option may be exercised.

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                                                                    GRANT NO. 34

         3.       EXERCISABILITY.  The Option  shall  vest  and  be  exercisable
in accordance with the following schedule:

<TABLE>
<CAPTION>
--------------------------- -------------- -------------- --------------------------- ------------- ------------------
NAME OF GRANTEE             DATE OF        NUMBER OF      VESTING                     EXERCISE      EXPIRATION
                            GRANT          OPTIONS        SCHEDULE                    PRICE (1)     DATE
--------------------------- -------------- -------------- --------------------------- ------------- ------------------
<S>                         <C>            <C>            <C>                         <C>           <C>
Harinder Dhillon            10/16/2006     8,000,000      166,667 on 10/16/06;        $0.01         9/16/2014
                                                          166,667 per month
                                                          thereafter until
                                                          9/16/10
--------------------------------------------
</TABLE>
(1)      The exercise price is equal to the fair market value on the date of the
         issuance  of  the  options.   Since  the   underlying   securities  are
         unregistered common stock and there are no concurrent private offerings
         of unregistered  common stock to set a comparable  value,  the Board of
         Directors has  determined  that the fair market value of the underlying
         securities  are the same as that of the public stock,  given the recent
         trading volumes of the public stock. Each stock option will confer upon
         the  holder  the  right  to  purchase   one  share  of  the   Company's
         unregistered  common  stock  for a price of $0.01 per share at any time
         from the vesting date to the expiration date.

         4.       METHOD OF  EXERCISING.  This Option  may  be exercised  by the
Optionee  upon  delivery  of  the  following  documents  to the  Company  at its
principal executive offices:

                  (a) Written notice  specifying the number of full Shares to be
         purchased;

                  (b) Payment of the full purchase  price  therefore in cash, by
         check, or in such other form of lawful  consideration  as the Committee
         may approve from time to time;

                  (c) Such agreements or  undertakings  that are required by the
         Committee pursuant to the Plan; and

                  (d)      Payment of any taxes which may be required.

         5.       ASSIGNMENTS.

                  (a) This  Option  shall be  exercisable  only by the  Optionee
         during the Optionee's lifetime.

                  (b) The rights of the Optionee under this Agreement may not be
         assigned  or  transferred  except by will or by the laws of descent and
         distribution.

         6.       NO RIGHTS AS A  SHAREHOLDER. The Optionee shall have no rights
as a  shareholder  of any  Shares  covered  by  this  Option  until  the  date a
certificate for such Shares has been issued to him or her following the exercise
of the Option.

         7.       INTERPRETATION OF AGREEMENT.

                  (a) This  Agreement is made under the  provisions  of the Plan
         and shall be interpreted in a manner consistent with it.

                  (b) Any provision in this Agreement inconsistent with the Plan
         shall be  superseded  and  governed by the Plan.  A copy of the Plan is
         attached hereto as Exhibit A.

<PAGE>
                                                                    GRANT NO. 34

         8.       LEGENDS ON CERTIFICATES.  The Optionee  acknowledges  that the
certificates  representing  the Shares  issued upon  exercise of this Option may
bear such legends and be subject to such restrictions on transfer as the Company
may deem  necessary to comply with all applicable  state and federal  securities
laws and regulations.

         9.       MARKET STANDOFF.  The Optionee, if so requested by the Company
or any representative of the underwriters in connection with any registration of
the offering of any  securities of the Company under the Securities Act of 1933,
as amended  (the  "Act"),  shall not sell or  otherwise  transfer  any shares of
Common Stock  acquired upon the exercise of the Option granted herein during the
six month period following the effective date of a registration statement of the
Company filed under the Act; provided, however, that such restriction shall only
apply to the first  registration  statement  of the Company to become  effective
under the Act after the date of adoption of the Plan which  includes  securities
to be sold on behalf of the  Company  to the  public in an  underwritten  public
offering under the Act. The Company may impose  stop-transfer  instructions with
respect to securities subject to the foregoing restriction until the end of such
six month period.

         10.      INCENTIVE STOCK OPTION.  To the extent permitted under Section
422 of the Internal Revenue Code of 1986, as amended,  the stock options granted
under this Agreement  shall be designated as Incentive  Stock  Options,  as that
term is defined in the Plan. To the extent any stock options  granted under this
Agreement may not be designated as Incentive  Stock Options,  such stock options
shall be designated as non-qualified stock options.

         11.      NOTICES.  Any  notice  to be  given  under  the  terms of this
Agreement  must be  addressed  to the  Company in care of its  Secretary  at its
principal  office,  and any notice to be given to Optionee  must be addressed to
such  Optionee  at the address  maintained  by the Company for such person or at
such other address as the Optionee may specify in writing to the Company.

         12.      BINDING EFFECT.  This Agreement and any amendment hereto, will
be binding  upon the  parties  hereto,  their  successors,  heirs,  next of kin,
executors,  administrators,  personal  representatives,  legal  representatives,
assignees,  creditors, including receivers, and all other persons with notice or
knowledge of the provisions hereof.

         13.      CHOICE OF LAW AND VENUE.  This  Agreement  is made and entered
into in the State of  California.  It is the  intention of the parties that this
Agreement will be subject to and will be governed by and construed in accordance
with the  internal  laws of the State of  California  without  reference  to its
choice of law  provisions.  Any legal  proceeding  arising out of this Agreement
will be  brought  only in a state of  federal  court of  competent  jurisdiction
sitting in the County of Santa  Barbara,  State of  California,  and all parties
hereto agree that venue will lie therein and agree to submit  themselves  to the
personal jurisdiction of such court.

         14.      CONSTRUCTION.  The captions  contained in this  Agreement  are
for  convenience  of reference  only and are not to be  considered in construing
this Agreement.  The language of this Agreement will be construed as to its fair
meaning and not strictly for or against any party.

         15.      SEVERABILITY. The provisions of this Agreement are independent
of and severable from each other,  and no provision will be affected or rendered
invalid or  unenforceable by virtue of the fact that for any reason any other or
others of them may be invalid or unenforceable in whole or in part.  Further, if
a  court  of  competent  jurisdiction  determines  that  any  provision  of this
Agreement  is invalid or  unenforceable  as written,  such court may  interpret,
construe, rewrite or revise such provision, to the fullest extent allowed by

<PAGE>
                                                                    GRANT NO. 34

law, so as to make it valid and  enforceable  consistent  with the intent of the
parties hereto.

         16.      COUNTERPARTS.  This Agreement may be executed in any number of
counterparts,  each of which will be deemed to be an  original  as  against  any
party hereto whose  signature  appears  hereon,  and all of which will  together
constitute one and the same instrument.  This Agreement will become binding when
one or more  counterparts  hereof,  individually  or taken  together,  bears the
signatures of all of the parties reflected hereon as the signatories.

         17.      APPLICATION  OF  PLAN.  The  Company  has  delivered  and  the
Optionee  hereby  acknowledges  receipt of a copy of the Plan. The parties agree
and  acknowledge  that the Option granted  hereunder is granted  pursuant to the
Plan and  subject  to the terms and  provisions  thereof,  and the rights of the
Optionee  are subject to  modifications  and  termination  in certain  events as
provided in the Plan.

         IN WITNESS  WHEREOF,  the Company and the Optionee  have  executed this
Agreement as of the date first above written.

OPTIONEE: HARINDER DHILLON                WARP 9, INC.
                                          (formerly Roaming Messenger, Inc.)

By:                                       By:
   ----------------------------              -----------------------------------
   Harinder Dhillon                          Louie Ucciferri, Chairman

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