Document:

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                                                                   EXHIBIT 10.1

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                       CELERA GENOMICS/APPLIED BIOSYSTEMS

                                    MARKETING

                                       AND

                             DISTRIBUTION AGREEMENT

                          EFFECTIVE AS OF APRIL 1, 2002

===============================================================================

<PAGE>

                      MARKETING AND DISTRIBUTION AGREEMENT

                  MARKETING AND DISTRIBUTION AGREEMENT (this "Agreement"), dated
as of February 27, 2003, and effective as of the 1st day of April, 2002
("Effective Date"), by and among Applera Corporation ("Applera"), the Applied
Biosystems Group of Applera ("AB"), and the Celera Genomics Group of Applera
("Celera").

                  WHEREAS, Celera has developed a business based on the
generation and sale of human genomic and other biological and medical
information (the "Online/Information Business," which term does not include
Celera's proteomics efforts or facilities); and

                  WHEREAS, the Online/Information Business is evolving rapidly
and somewhat unpredictably, particularly due to the role being played by the
public sequencing effort; and

                  WHEREAS, Celera management believes that additional value
could be obtained from the Online/Information Business if Celera's information
were provided as an integral part of a discovery or knowledge platform broader
than Celera's current platform and if such information were distributed by an
established sales and marketing organization with broader and deeper market
penetration than Celera currently has; and

                  WHEREAS, management representatives from both Celera and AB
have met extensively to discuss strategic alternatives for the
Online/Information Business, including alternatives for downstream, value-added
products; and

                  WHEREAS, AB is a leading supplier of assays, reagents, and
systems to the genomics and biotechnology markets, having perhaps the premier
marketing/distribution organization for such markets in the world; and

                  WHEREAS, AB desires to expand its current assays, reagents,
and systems business by incorporating the data and information developed
through, and by utilizing the technology developed for, the Online/Information
Business, where both AB and Celera believe that value-added commercial
opportunities will be greatly enhanced by Celera's information; and

                  WHEREAS, Celera intends to focus its future efforts in the
therapeutics business, and desires to retain its continuing access to genomic
and other biological and medical information of the Online/Information Business
without having to incur the investments required to enhance its world-class
marketing/distribution organization or transform the Online/Information Business
to meet the unpredictable and potentially shifting market demands; and

                  WHEREAS, management representatives from Celera and AB have
agreed that each of their Group's interests will be served best by collaborating
with respect to both marketing/distribution of Celera's information as well as
future investments relating to the Online/Information Business; and

<PAGE>

                  WHEREAS, the Board of Directors of Applera (the "Applera
Board") has determined that it is appropriate and in the best interest of
Applera and its stockholders to establish a marketing and distribution
relationship between AB and Celera whereby AB would market and distribute, as
part of a new information business, the data and information developed through
the Online/Information Business;

                  WHEREAS, based on the Applera Board approval referred to
above, AB and Celera agreed upon the principal terms and conditions of the
aforementioned marketing and distribution relationship, and have been operating
under such agreement, effective as of April 1, 2002; and

                  WHEREAS, the parties hereto desire to formalize the
aforementioned marketing and distribution agreement in a written agreement.

                  NOW, THEREFORE, the parties hereto agree to the Terms and
Conditions described in Annex A attached hereto, which shall be deemed effective
as of the Effective Date.

                  IN WITNESS WHEREOF, the parties agree to the foregoing as of
the date written above.

                               APPLERA CORPORATION

                               By: /s/ Tony L. White
                                   -------------------------------------------
                                   Name:  Tony L. White
                                   Title: Chairman, President and
                                   Chief Executive Officer

                               APPLIED BIOSYSTEMS GROUP OF
                               APPLERA CORPORATION

                               By: /s/ Michael W. Hunkapiller
                                   -------------------------------------------
                                     Name:  Michael W. Hunkapiller
                                     Title: President

                               CELERA GENOMICS GROUP OF
                               APPLERA CORPORATION

                               By: /s/ Kathy Ordonez
                                   -------------------------------------------
                                     Name:  Kathy Ordonez
                                     Title: President

                                      -2-

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                                                                        ANNEX A
                                                                        -------

                             TERMS AND CONDITIONS OF
                      MARKETING AND DISTRIBUTION AGREEMENT

1.   Principles.

     1.1  AB's Knowledge Business. AB is developing a new business (the
          "Knowledge Business") comprising genomic and biological content,
          assays, reagents for use in combination with oligonucleotide arrays,
          services, experimental protocols, algorithms, and software
          (collectively, "Knowledge Products"). As part of the Knowledge
          Business, AB intends to develop and implement a portal for the
          integration, delivery, and presentation of biological information and
          products to enable scientific discovery by life sciences customers
          (the "Portal"). The Portal will incorporate Celera's existing Celera
          Discovery System ("CDS") infrastructure.

     1.2  Products. This Agreement covers AB's development, marketing, and
          distribution of the following products to be included within the
          Knowledge Business ("Covered Products"):

          (a)  CDS and the datasets of Celera's Online/Information Business, in
               all formats, and including all analysis tools, software, and
               related information provided to former or current customers of
               the Online/Information Business, including any future versions or
               updates to such that are required by Committed Contracts, as that
               term is defined in Section 3.1 below ("Existing Information
               Products");

          (b)  Probes, primer sets, or oligonucleotide arrays, each that are
               designed with reference to information included within the
               Online/Information Business, and new Portal subscription business
               marketed by AB as part of the Knowledge Business ("Related
               Products") (for the avoidance of doubt, Portal subscriptions
               which do not constitute Committed Contracts under Section 3.1 or
               3.2, and which are not renewals or modifications of Committed
               Contracts under Section 3.3, shall constitute new Portal
               subscription business); and

          (c)  Other Knowledge Products developed at AB's expense after the
               Effective Date ("Future Products").

               (1)  AB and Celera shall collaborate with respect to the
                    development of Future Products; and

                                   Annex A-1

<PAGE>

               (2)  AB and Celera shall agree on the budget for new research and
                    development initiatives, and unless otherwise agreed, the
                    costs shall be borne by AB.

     1.3  AB's Access to Celera IP. Subject to Section 6 below, AB shall have
          unrestricted and exclusive access to and use of the intellectual
          property associated with Existing Information Products for the
          development and marketing of Knowledge Products, provided that such
          access shall be on an "as is" basis with no recourse to Celera.

     1.4  Ownership of Existing Online/Information Business Assets. Celera shall
          retain ownership of the assets, including intellectual property,
          relating to Existing Information Products.

     1.5  Ownership of Improvements. Improvements to Existing Information
          Products shall be owned by the party funding such improvements,
          provided that at the end of the Term of this Agreement Celera shall
          have the right to purchase any such improvements owned by AB at fair
          value as determined by the Applera Board. Celera shall have 6 months
          following the end of the Term to exercise such right.

     1.6  Competition. Consistent with Applera's tracking stock principles,
          neither AB nor Celera shall engage in each other's principal business
          except to the extent provided herein.

2.   Conduct and Relationship of the Parties.

     2.1  Cooperation between AB and Celera. The parties believe that the
          successful implementation of this Agreement will require close
          cooperation between AB and Celera. In particular, the parties expect
          that the relationship established by this Agreement will benefit from
          the application of both AB's and Celera's respective resources and
          expertise relating to Knowledge Products. However, the parties also
          acknowledge that Celera nonetheless must continue to have sufficient
          resources dedicated to the performance of its obligations under this
          Agreement, including particularly its obligations in respect of
          Committed Contracts (as defined below). Therefore, AB and Celera shall
          cooperate and use reasonable commercial efforts to ensure that their
          resources and expertise are applied in a manner that effectively
          achieves the purposes of this Agreement without interfering with the
          respective businesses of AB and Celera and their other obligations
          under this Agreement (the "Cooperation Guidelines").

                                   Annex A-2

<PAGE>

     2.2  Online/Information Business Personnel. The parties believe that the
          Knowledge Business will benefit from the unique expertise that certain
          Celera personnel have developed from their involvement with the
          Online/Information Business. Accordingly, the parties anticipate that
          the cooperation referred to in Section 2.1 will involve, among other
          things, the dedication of some or all of the time of various
          Online/Information Business personnel to the Knowledge Business. The
          cost of such personnel shall be paid by AB as contemplated by Section
          4.2. In performing services for the Knowledge Business, the
          Online/Information Business personnel may report to, and be subject to
          the supervision of, Knowledge Business personnel. However, such
          Online/Information Business Personnel and services shall at all times
          remain subject to the Cooperation Guidelines.

     2.3  Operating Procedures. The parties acknowledge and agree that it may be
          appropriate from time to time to establish specific operating
          procedures with respect to the allocation of resources contemplated by
          Section 2.1 and the activities of the Online/Information Business
          personnel contemplated by Section 2.2. Accordingly, the Inter-Group
          Policy Committee (as defined in Section 8), working with AB and
          Celera, shall periodically (and upon request of a party) evaluate the
          need for, and if applicable adopt (and amend as necessary), operating
          procedures for the relationship established by this Agreement
          consistent with its terms (including specifically the Cooperation
          Guidelines).

     2.4  Use of Celera Name. AB's use of the "Celera" name in the marketing and
          distribution by AB of Knowledge Products shall be subject to Celera's
          approval.

3.   Committed Contracts.

     3.1  Committed Contracts. Celera shall continue to be responsible for the
          performance of its obligations under all contracts relating to
          Existing Information Products in effect as of the Effective Date (the
          "Committed Contracts"), and shall receive all revenues and other
          benefits under, and be responsible for all costs and expenses
          associated with, such Committed Contracts.

                                   Annex A-3

<PAGE>

     3.2  Transition Period. Notwithstanding anything to the contrary contained
          in this Agreement, commencing as of the Effective Date and continuing
          for a period of three months thereafter (the "Transition Period"), all
          revenues and other benefits under, and all costs and expenses
          associated with, any contract for Existing Information Products
          entered into during the Transition Period shall be allocated to
          Celera, and Celera shall be responsible for the performance thereof.
          Any such contract entered into during the Transition Period shall be
          deemed a Committed Contract for purposes of this Agreement.
          Notwithstanding Section 1.3 above, during the Transition Period Celera
          shall be permitted to market Existing Information Products and
          associated services.

     3.3  Renewals of and Modifications to Committed Contracts. All revenues and
          other benefits under, and all costs and expenses associated with, any
          renewals of and/or modifications to Committed Contracts shall be
          allocated to Celera, and Celera shall be responsible for the
          performance thereof. All such renewals of and modifications to
          Committed Contracts shall be deemed Committed Contracts for purposes
          of this Agreement. For these purposes:

          (a)  Contractual arrangements with a Committed Contracts customer
               entered into after June 30, 2002, will be treated as a renewal of
               and/or modification to the original Committed Contract with that
               customer, rather than a new Knowledge Business contract, only if
               the nature of the subsequent contractual arrangement with the
               customer is substantially the same as the nature of the original
               Committed Contract.

          (b)  Without limitation, if (i) a renewal or modification of a
               Committed Contract is entered into as a result of AB's marketing
               efforts, and (ii) such renewal or modification involves the
               addition of new subscribers to CDS, then the nature of the
               subsequent contractual arrangement with the customer shall be
               deemed different from the nature of the original Committed
               Contract, and the renewed or modified contract shall not
               constitute a Committed Contract hereunder as of effectiveness of
               such renewal or modification.

                                   Annex A-4

<PAGE>

          (c)  Any question regarding the application of this Section 3 shall be
               subject to interpretation and resolution in accordance with
               Section 8. The interpretation of the guidelines set forth above
               and their application to specific factual circumstances shall be
               guided by the general principle that Celera or AB, as the case
               may be, should receive attribution for business actually
               generated. In furtherance of this general principle, the
               Inter-Group Policy Committee (or the Applera Chief Executive
               Officer or Applera Board, as applicable) may determine that a
               particular contract may have both a Committed Contract component
               and new Knowledge Business contract component.

     3.4  EBITDA From Committed Contracts. AB shall reimburse Celera for any
          shortfall in Celera's projected total cumulative EBITDA of $62.5
          million from Committed Contracts for fiscal years 2003 through 2006
          (the "EBITDA Projection") caused by (i) any actions taken by AB in
          connection with the Knowledge Business or (ii) actual changes to
          Celera's current strategy for marketing and distribution of Existing
          Information Products requested by AB, subject to the following terms,
          conditions, and limitations:

               (a)  AB's reimbursement obligation under this Section 3.4 shall
                    be limited to $62.5 million in the aggregate;

               (b)  AB's reimbursement obligation under this Section 3.4 shall
                    be subject to the condition that Celera shall perform all of
                    its obligations under the Committed Contracts, except where
                    its failure to perform is due to (i) actions taken or
                    changes requested by AB as provided above, or (ii) the
                    breach or non-performance by the other party to such
                    Committed Contract as a result of any actions taken or
                    changes requested by AB as provided above;

               (c)  For purposes of making determinations under this Section
                    3.4, no less frequently than annually the parties shall
                    review and, as necessary, revise the 4 year forecast for
                    EBITDA from Committed Contracts (though no such revision to
                    the EBITDA forecast shall affect the EBITDA Projection on
                    which AB's obligations are based under this Section 3.4);

               (d)  Reimbursements by AB shall be made at the end of any quarter
                    if it is determined, and agreed to by AB and Celera, that AB
                    would have to recognize a reimbursement obligation on its
                    financial statements for that quarter; and

                                   Annex A-5

<PAGE>

               (e)  Determinations and interpretations under this Section 3.4
                    shall be made pursuant to Section 8 and shall be consistent
                    with the financial model presented to the Applera Board that
                    corresponds to the EBITDA Projection.

4.   Financial Provisions Applicable to Related Products.

     4.1  Royalty to Celera for Covered Products.

               (a)  In exchange for marketing and distribution rights for
                    Covered Products as described in Section 1 above, AB shall
                    pay Celera a royalty quarterly through AB's 2012 fiscal year
                    based on revenues from Related Products. The royalty shall
                    be as heretofore approved by the Applera Board, subject to
                    such amendments as the Applera Board shall from time to time
                    approve.

               (b)  The royalty arrangement contemplated by Section 4.1(a) is
                    based on the mutual understanding that AB does not currently
                    intend to bundle Covered Products with other products and
                    services. If such bundling occurs, then the Inter-Group
                    Policy Committee shall approve an alternative financial
                    arrangement for such bundled Covered Products designed, to
                    the maximum extent possible, to give to Celera substantially
                    the same economic benefit from those Covered Products as was
                    originally intended by the parties, and to minimize any
                    adverse financial impact to Celera as a result of such
                    bundling of products.

     4.2  Reimbursement of Costs. AB shall reimburse Celera for all costs
          relating to the Knowledge Business (i.e., of the type or nature
          identified in the financial model referred to in Section 3.4(e)) in
          excess of the costs associated with Committed Contracts in a manner
          consistent with Applera's tracking stock principles.

5.   Shared Services. Celera and AB shall provide each other with access to
     information technology, informatics, and other shared resources in a manner
     consistent with Applera's tracking stock principles, as determined by the
     Inter-Group Policy Committee (as defined in, and subject to the provisions
     of, Section 8 below), to ensure the availability of these resources as
     needed for purposes of this Agreement.

6.   Effect on Other Operations/Arrangements.

     6.1  Celera.

          (a)  Celera shall continue to have unrestricted access to:

                                   Annex A-6

<PAGE>

               (1)  data (i.e., subscription content as well as underlying data
                    related to Covered Products) and other intellectual property
                    associated with the Knowledge Business for internal
                    therapeutics uses (including for collaborations with third
                    parties), as well as for other uses where AB declines
                    interest, without royalty or other payment obligations; and

               (2)  therapeutic targets identified through AB funded research
                    and development consistent with Applera's tracking stock
                    principles.

          (b)  Celera shall remain obligated to comply with obligations pursuant
               to existing collaborations, subject to future modification and
               amendment.

     6.2  AB.

          Access to Celera proteomics data shall be at the discretion of Celera.

     6.3  Celera Diagnostics.

          This Agreement shall not have any effect on the rights or obligations
          of Celera Diagnostics within Applera. Celera Diagnostics shall
          continue to have access to the intellectual property of Celera and AB
          for human in-vitro diagnostics as set forth in the Celera Diagnostics
          Joint Venture Agreement.

     6.4  Third Party Obligations. Notwithstanding anything to the contrary
          contained herein, the provisions of this Agreement are subject to any
          now existing or future obligations of Celera or AB to third parties
          regarding the intellectual property or other data or information of
          such third parties.

7.   Term of Agreement; Right of First Refusal.

     7.1  Term. This Agreement shall become effective as of the Effective Date
          and shall terminate as of the close of business on June 30, 2012 (the
          "Term"), provided, however, that (a) any amounts payable by AB to
          Celera as of the termination date shall continue to be payable in
          accordance with the terms of this Agreement and (b) Section 7.2 below
          shall survive such termination.

                                   Annex A-7

<PAGE>

     7.2  Right of First Refusal. If, at any time during the 5 years following
          the termination or expiration of this Agreement, Celera desires to
          sell, liquidate, or otherwise dispose of all or a portion of the
          assets associated with the Online/Information Business, it shall first
          offer to sell such assets to AB. Thereafter, if AB desires to purchase
          such assets, Celera and AB shall negotiate in good faith such sale for
          a period of not less than 60 days. In the event that Celera and AB are
          unable to reach agreement on the sale of such assets within such time
          period, Celera may, within 60 days following the conclusion of
          negotiations with AB, sell all of such assets proposed to be sold to a
          third party on terms no less favorable to Celera in the aggregate than
          the terms last proposed by AB, if any.

8.   Interpretation of Agreement; Resolution of Disputes.

Subject to Section 10 below, it is the intent of the parties that all questions,
concerns, disputes, or other issues that may arise relating to this Agreement,
including interpretation of the Agreement, be subject to the same procedures and
processes currently used to resolve issues between AB and Celera within Applera.
These procedures and processes include the Applera Inter-Group Policy Committee
(the "Inter-Group Policy Committee," which term includes any processes or
procedures for resolution of issues between AB and Celera as may be applicable
from time to time, and any successor committees, processes, or procedures). The
Inter-Group Policy Committee shall also have such other specific
responsibilities in relation to this Agreement as are expressly set forth in the
other provisions of this Agreement. Any dispute, disagreement, deadlock, or
other issue or matter relating to this Agreement which cannot be so resolved or
addressed by the Inter-Group Policy Committee may be referred by the Applera
Chief Executive Officer to the Applera Board, and any resulting determination by
the Applera Board shall be binding on the parties. Without limitation of the
foregoing, the parties anticipate that the Inter-Group Policy Committee is the
most appropriate management committee to ensure compliance with the Cooperation
Guidelines, and they therefore expect such committee to have an active role in
evaluating such compliance and responding to any questions or concerns that may
be raised regarding same (and, if it deems appropriate, implementing procedures
as contemplated by Section 2.3 in response to those questions or concerns).

9.   Amendment and Waiver.

Subject to Section 10 below, the terms and conditions contained in this
Agreement may be amended, and the conduct of the parties may deviate from such
terms and conditions, with the approval of the Inter-Group Policy Committee;
provided, however, that any amendment to this Agreement, upon receiving the
necessary approval, shall be in a written instrument signed by (a) AB, (b)
Celera, and (c) the Applera Chief Executive Officer.

                                   Annex A-8

<PAGE>

10.  Role of Applera Board.

Notwithstanding anything to the contrary contained herein, all matters relating
to this Agreement shall at all times remain within the purview of the Applera
Board, which shall have the authority to review such matters on its own
initiative. In addition, the Applera Chief Executive Officer may refer matters
relating to this Agreement to the Applera Board as he deems appropriate.

11.  Transaction Expenses.

All out-of-pocket costs and expenses incurred by Applera or its affiliates in
connection with the negotiation and implementation of the arrangements provided
for herein shall be borne equally by AB and Celera.

                                   Annex A-9<PAGE>

                                                                   EXHIBIT 10.17

                               FIRST AMENDMENT TO
                   SECOND AMENDED AND RESTATED LOAN AGREEMENT

      THIS FIRST AMENDMENT TO SECOND AMENDED AND RESTATED LOAN AGREEMENT AND
LOAN INSTRUMENTS (the "Amendment") is made effective as of March 29, 2003 by and
among AQUIS WIRELESS COMMUNICATIONS, INC., a Delaware corporation ("Borrower");
and FINOVA CAPITAL CORPORATION ("Lender"), a Delaware corporation.

                                   BACKGROUND

      A. Borrower and Lender have previously entered into that certain Second
Amended and Restated Loan Agreement dated August 12, 2002, (the "Loan
Agreement"), pursuant to which, inter alia, the Lender extended to the Borrower
certain credit facilities subject to the terms and conditions thereof.

      B. Borrower is currently in default of its obligations under the Loan
Instruments as a result of Borrower's (i) failure to comply with the Leverage
Ratio and the minimum EBITDA requirement as set forth in Article 7 of the Loan
Agreement for the periods ending March 31, 2003 (collectively, the "Existing
Defaults"). As a result of the occurrence of the Existing Defaults, Lender may
exercise its rights and remedies against Borrower pursuant to any and all of the
Loan Instruments and under applicable law.

      C. At Borrower' request, the Lender has agreed to enter into this
Amendment, inter alia, to (i) ratify and confirm the respective obligations and
liabilities of Borrower to the Lender under the Loan Instruments, (ii) reaffirm,
ratify and continue Lender's liens on, and security interests in, the assets of
Borrower, and (iii) set forth the terms and conditions under which the Lender
will waive the Existing Defaults and the Loan Agreement and Loan Instruments
will be amended.

      NOW, THEREFORE, in consideration of foregoing premises and intending to be
legally bound hereby, the parties hereto agree as follows:

                                      TERMS

      1. CAPITALIZED TERMS. For purposes of this Amendment, all other
capitalized terms used herein and not otherwise defined herein shall have the
meanings set forth for such terms in the Loan Agreement.

      2. CONFIRMATION OF BACKGROUND. Borrower hereby ratify, confirm and
acknowledge that the statements contained in the foregoing Background are true
and that the Loan Instruments are valid, binding and in full force and effect as
of the date hereof and fully enforceable against Borrower in accordance with the
terms thereof. Borrower further acknowledge and agree that nothing contained in
this Amendment shall be deemed to impair, reduce or release in any manner
whatsoever any of the obligations of such Loan Party under the Loan Instruments.

      3. GENERAL ACKNOWLEDGMENTS. Borrower hereby acknowledge and agree as
follows:

         (a) They are currently in default of their obligations under the
      Loan Instruments as a result of the occurrence of the Existing Defaults,
      and hereby waive any requirement for any further notice or demand from the
      Lender in connection therewith;

         (b) As a result of the Existing Defaults, the Lender has the right
      to declare the entire principal balance of the Note and all other
      Obligations due and payable and exercise all of its rights and remedies
      under the Loan Instruments;

         (c) Neither this Amendment nor any other agreement entered into in
      connection herewith or pursuant to the terms hereof shall be deemed or
      construed to be a compromise, satisfaction, reinstatement, accord and
      satisfaction, novation or release of any of the Loan Instruments or any
      rights or obligations thereunder, or a waiver by Lender of any of its
      rights under the Loan Instruments or at law or in equity, except as
      expressly waived under Section 10 hereunder;

         (d) All liens, security interests, rights and remedies granted to
      the Lender in and under the Loan Instruments are hereby renewed, confirmed
      and continued, and shall also secure the performance by Borrower of their
      respective obligations hereunder; and

                                      -21-
<PAGE>

         (f) If at any time a payment or payments made by any Loan Party on
      any part of the Obligations are subsequently invalidated, declared to be
      fraudulent or preferential, and are set aside or are required to be repaid
      to a trustee, receiver or any other person or entity under any bankruptcy
      act, state or federal law, common law or equitable cause, then to the
      extent of such payment or payments, the Obligations intended to be
      satisfied shall be revived and continued in full force and effect as if
      such payment or payments had not been made.

      4. CHALLENGE TO ENFORCEMENT. Borrower acknowledge and agree that none of
them have any defense, set-off, counterclaim or challenge against the payment of
any sums owing under the Loan Instruments, or the enforcement of any of the
terms or conditions thereof.

      5. CONFIRMATION OF EXISTING INDEBTEDNESS. Borrower hereby acknowledge and
agree that as of the close of business as of March 30, 2003, (a) the principal
balance outstanding under the Notes was $8,750,000. Borrower hereby acknowledges
and agrees that all sums described in this Section 5 are validly and duly owing
to the Lender.

      6. AMENDMENT TO SENIOR LEVERAGE. Section 7.19 of the Loan Agreement is
hereby amended to read in its entirety as follows:

            7.19 Senior Leverage Ratio. Permit the Senior Leverage Ratio as of
      the last day of each fiscal year set forth below to be greater than the
      ratio set forth opposite such date set forth below:

                   Year                         Ratio
                   ----                         -----

                   2002                      4.00 to 1.00
                   2003                      4.60 to 1.00
                   2004                      1.61 to 1.00
                   2005                      1.07 to 1.00

      7. Minimum EBITDA. Section 7.20 of the Loan Agreement is hereby amended to
read in its entirety as follows: Permit (i) as of December 31, 2002, Operating
Cash Flow to be less than 92% of the amount set forth for such corresponding
date on the Projections and (ii) as of March 31, 2003 and the last day of each
fiscal quarter thereafter (calculated for a period of four consecutive fiscal
quarters ended on the last day of such fiscal quarter) until March 31, 2004,
Operating Cash Flow to be less than the amounts set forth below.

                   Quarter Ending          Operating Cash Flow
                   --------------          -------------------

                   March 31, 2003                 949,000
                   June 30, 2003                  892,000
                   September 30, 2003           1,054,000
                   December 30, 2003            1,378,000
                   March 31, 2004               2,012,000

Thereafter the Operating Cash Flow will be as agreed by the parties.

      8. MATURITY DATE. RESERVED.

      9. WAIVER OF DEFAULTS. The Lender hereby waives the Existing Defaults,
subject to Borrowers' representations and warranties contained herein. This
waiver is strictly limited to the Existing Defaults and except as waived herein,
Lender retains all rights and remedies under the Loan Agreement and Loan
Instruments.

      10. RESERVED.

      11. FEE. As a condition for Lender entering into this Amendment, Borrower
agrees to pay to Lender a fee of $32,500 (the "Amendment Fee"), which Amendment
Fee shall be deemed fully earned upon Lender's execution of this Agreement and
shall be due and payable as follows at closing.

                                      -22-
<PAGE>

      12. COVENANTS AND CONDITIONS. Lenders' agreement to waive the Existing
Defaults and to execute the Amendment herein is expressly contingent upon the
following:

          (a) Amendment. Borrower and all other required persons and entities
      will have executed and delivered to Lender the Amendment.

          (b) Representations and Warranties. All representations and
      warranties of Borrower set forth in this agreement will be true at and as
      of the date hereof, except as such representations and warranties may have
      been affected by the Existing Defaults.

          (c) No Default. No condition or event shall exist or have occurred
      which would constitute a default hereunder (or would, upon the giving of
      notice or the passage of time or both, constitute such a default) other
      than the Existing Defaults.

          (d) Delivery of Other Documents. The following documents shall have
      been delivered to Lender by or on behalf of Borrower and must be
      satisfactory to Lender in form and content:

              (i) Closing Certificates. Such closing certificates, good
          standing certificates and other documentation as required by Lender.

              (ii) Other Information. With reasonable promptness, Borrower
          shall deliver or cause to be delivered to Lender, all such other
          data and information in respect of the condition, operation and
          affairs of Borrower as Lender may reasonably request from time to
          time.

      13. ADDITIONAL DOCUMENTS AND FUTURE ACTIONS. Borrower will, at their sole
cost, take such actions and provide Lender from time to time with such
agreements, financing statements and additional instruments, documents or
information as Lender may in its discretion deem necessary or advisable to
perfect, protect, maintain or enforce the security interests in the Collateral
or to carry out the terms of the Loan Instruments. Borrower hereby authorize and
appoint Lender as their attorney-in-fact, with full power of substitution, to
take such actions as Lender may deem advisable to protect the Collateral and its
interests thereon and its rights thereunder, to execute on Borrower' behalf and
file at Loan Parties' expense financing statements, and amendments thereto, in
those public offices deemed necessary or appropriate by Lender to establish,
maintain and protect a continuously perfected security interest in the
Collateral, and to execute on Borrower' behalf such other documents and notices
as Lender may reasonably deem advisable to protect the Collateral and its
interests therein and its rights thereunder. Such power being coupled with an
interest is irrevocable.

      14. REPRESENTATIONS AND WARRANTIES. In consideration of the waiver
extended herein by Lender, Borrower hereby represent and warrant, which
representations and warranties shall survive until all Obligations and all other
obligations of Borrower to Lenders are paid and satisfied in full, as follows:

          (a) All representations and warranties of Borrower set forth in the
      Loan Instruments are true and complete as of the date hereof, except as
      such representations and warranties may have been affected by the Existing
      Defaults.

          (b) No condition or event exists or has occurred which would
      constitute an event of default under the Loan Instruments (or would, upon
      the giving of notice or the passage of time, or both constitute an event
      of default) other than the Existing Defaults.

          (c) The execution and delivery of this Amendment by Borrower and all
      documents and agreements to be executed and delivered pursuant to the
      terms hereof:

              (i) have been duly authorized by all requisite corporate
          action by each Loan Party;

              (ii) will not conflict with or result in the breach of or
          constitute a default (upon the passage of time, delivery of notice
          or both) under any Loan Party's articles of Incorporation, By-Laws
          (if applicable), or any applicable statute, law, rule, regulation or
          ordinance or any indenture, mortgage, loan or other document or
          agreement to which any Loan Party is a party or by which any of them
          is bound or affected; and

                                      -23-
<PAGE>

              (iii) will not result in the creation or imposition of any
          lien, charge or encumbrance of any nature whatsoever upon any of the
          property or assets of any Loan Party, except liens in favor of the
          Lender or as permitted hereunder or under the Loan Instruments.

      15. CERTAIN FEES, COSTS, EXPENSES AND EXPENDITURES. Borrower will pay all
of the Lender's reasonable expenses in connection with the review, preparation,
negotiation, documentation and closing of this Amendment and the consummation of
the transactions contemplated hereunder, including without limitation, fees,
disbursements, expenses, appraisal costs and fees and expenses of counsel
retained by Lender and all fees related to filings, recording of documents and
searches, whether or not the transactions contemplated hereunder are
consummated.

      16. RELEASE AND INDEMNIFICATION. In order to induce Lender to enter into
this Amendment, Borrower do hereby agree as follows:

          (a) Release. Each Loan Party hereby fully, finally and forever
      acquits, quitclaims, releases and discharges Lender and its officers,
      directors, employees, agents, successors and assigns of and from any and
      all obligations, claims, liabilities, damages, demands, debts, liens,
      deficiencies or cause or causes of action to, of or for the benefit
      (whether directly or indirectly) of any Loan Party, at law or in equity,
      known or unknown, contingent or otherwise, whether asserted or unasserted,
      whether now known or hereafter discovered, whether statutory, in contract
      or in tort, as well as any other kind or character of action now held,
      owned or possessed (whether directly or indirectly) by any Loan Party on
      account of, arising out of, related to or concerning, whether directly or
      indirectly, proximately or remotely (i) the negotiation, review,
      preparation or documentation of the Documents or any other documents or
      agreements executed in connection therewith, (ii) the administration of
      the Documents, (iii) the enforcement, protection or preservation of
      Lender's rights under the Documents, or any other documents or agreements
      executed in connection therewith, and/or (iv) any action or inaction by
      Lender in connection with any such documents, instruments and agreements
      (the "Released Claims").

          (b) Covenant Not to Litigate. In addition to the release contained
      above, and not in limitation thereof, each Loan Party does hereby agree
      that they will never prosecute, nor voluntarily aid in the prosecution of,
      any action or proceeding relating to the Released Claims, whether by
      claim, counterclaim or otherwise.

          (c) Transfer of Claims. If, and to the extent that, any of the
      Released Claims are, for any reason whatsoever, not fully, finally and
      forever released and discharged pursuant to the terms above, each Loan
      Party does hereby absolutely and unconditionally grant, sell, bargain,
      transfer, assign and convey to Lender all of the Released Claims and any
      proceeds, settlements and distributions relating thereto.

          (d) Indemnification. Each Loan Party expressly agrees to indemnify
      and hold harmless Lender, and their officers, directors, employees,
      agents, successors and assigns, of and from any and all obligations,
      losses, claims, damages, liabilities, demands, debts, liens, costs and
      expenses of Lender, and their officers, directors, employees, agents,
      successors and assigns that may be asserted by, or may arise out of,
      whether directly or indirectly, proximately or remotely, any
      investigation, litigation, or other proceedings initiated, undertaken or
      joined in by any Loan Party or any other third party (including, without
      limitation, any employee, agent, personal representative, heir, executor,
      successor or assign of any Loan Party) in connection with (i) the
      negotiation, review, preparation or documentation of the Loan Instruments
      or any other documents or agreements executed in connection with the
      Obligations, or any of them, (ii) the administration of the Loan
      Instruments; (iii) the enforcement, protection or preservation of Lender's
      rights under the Loan Instruments or any other documents or agreements
      executed in connection with the Obligations, or any of them, (iv) the
      validity, perfection or enforceability of the Loan Instruments, and/or (v)
      any action or inaction by Lender in connection with any of the foregoing;
      provided however, that such obligations, losses, claims, damages,
      liabilities, demands, debts, liens, costs and expenses are not the direct
      result of the gross negligence or willful misconduct of Lender or its
      officers, directors, employees, agents, successors and assigns.

      17. NO COURSE OF DEALING.

          (a) Termination of Waivers. Borrower hereby acknowledge and agree
      that effective as of the date hereof any waiver or implied waiver by
      Lender of any obligation or covenant of any Loan Parties under the
      Amendment is expressly terminated and rescinded (except as expressly
      provided herein to the contrary) and that Borrower are obligated to, and
      are expected by Lender to, strictly perform and comply with all of such
      obligations and covenants as provided in the Loan Instruments.

                                      -24-
<PAGE>

          (b) Future Forbearance. Nothing contained herein shall be deemed to
      obligate the Lender to enter into any other forbearance agreements or to
      waive any Events of Default.

      18. WAIVERS. In connection with any proceedings hereunder or in connection
with any of the Obligations, including without limitation any action by Lender
in replevin, foreclosure or other court process or in connection with any other
action related to the Obligations or the transactions contemplated hereunder,
each Loan Party waives:

          (a) all errors, defects and imperfections in such proceedings;

          (b) all benefits under any present or future laws exempting any
      property, real or personal, or any part of any proceeds thereof from
      attachment, levy or sale under execution, or providing for any stay of
      execution to be issued on any judgment recovered in connection with the
      Obligations or in any replevin or foreclosure proceeding;

          (c) all rights to inquisition on any real estate, which real estate
      may be levied upon pursuant to a judgment obtained in connection with any
      of the Obligations and sold upon any writ of execution issued thereon in
      whole or in part, in any order desired by Lender;

          (d) presentment for payment, demand, notice of demand, notice of
      nonpayment, protest and notice of protest of any of the Obligations;

          (e) any requirement for bonds, security or sureties required by
      statute, court rule or otherwise;

          (f) any demand for possession of any collateral prior to
      commencement of any suit;

          (g) any right to require or participate in the marshaling of any
      Loan Party's assets;

          (h) any notice or demand from Lender with respect to any Loan
      Party's obligations under the Loan Instruments; and

          (i) all benefits under present and future laws permitting
      termination of any Loan Party's obligations by delivery of notice or
      otherwise, other than by performance of all Loan Parties' obligations
      hereunder and under the Guaranty.

      19. RESERVED.

      20. COMMUNICATIONS AND NOTICES. All notices, requests and other
communications made or given in connection with this Amendment or under Loan
Instruments shall be made in accordance with the provisions of the Loan
Agreement.

      21. JURISDICTION. Borrower hereby consent to the jurisdiction of any state
or federal court located within the Commonwealth of Arizona, and irrevocably
agree that, subject to the Lender's election, all actions or proceedings
relating to the Loan Instruments or the transactions contemplated hereunder
shall be litigated in such courts, and Borrower waive any objection which they
may have based on improper venue or forum non conveniens to the conduct of any
proceeding in any such court and waive personal service of any and all process
upon them, and consent that all such service of process be made by certified
mail (return receipt requested) or messenger directed to them at the address set
forth in the Loan Agreement for Borrower. Nothing contained in this section
shall affect the right of Lender to serve legal process in any other manner
permitted by law or affect the right of Lender to bring any action or proceeding
against any Loan Party or its respective property in the courts of any other
jurisdiction.

      22. CONFESSION OF JUDGMENT. EACH LOAN PARTY HEREBY AUTHORIZES AND EMPOWERS
ANY ATTORNEY OR CLERK OF ANY COURT IN THE STATE OF ARIZONA, OR IN ANY OTHER
JURISDICTION WHICH PERMITS THE ENTRY OF JUDGMENT BY CONFESSION, TO APPEAR FOR
SUCH LOAN PARTY AT ANY TIME AFTER THE OCCURRENCE OF AN EVENT OF DEFAULT
HEREUNDER OR UNDER ANY OF THE LOAN INSTRUMENTS IN ANY ACTION BROUGHT AGAINST
SUCH LOAN PARTY HEREUNDER OR UNDER THE FORBEARANCE DOCUMENTS AT THE SUIT OF
LENDER, WITH OR WITHOUT COMPLAINT OR DECLARATION FILED, WITHOUT STAY OF
EXECUTION, AS OF ANY TERM OR TIME, AND THEREIN TO CONFESS OR ENTER JUDGMENT
AGAINST SUCH LOAN PARTY FOR THE ENTIRE OBLIGATIONS TOGETHER WITH AN ATTORNEY'S
COLLECTION COMMISSION OF FIVE PERCENT (5%) OF THE AGGREGATE AMOUNT OF THE
FOREGOING SUMS, BUT IN NO EVENT LESS THAN $5,000.00; AND FOR SO DOING THIS
AMENDMENT OR A COPY HEREOF VERIFIED BY AFFIDAVIT SHALL BE A SUFFICIENT WARRANT.
THE AUTHORITY GRANTED HEREIN TO CONFESS JUDGMENT SHALL NOT BE EXHAUSTED BY ANY
EXERCISE THEREOF BUT SHALL CONTINUE FROM TIME AND AT ALL TIMES UNTIL PAYMENT IN
FULL OF ALL THE OBLIGATIONS.

                                      -25-
<PAGE>

      23. JOINT AND SEVERAL LIABILITY. If there is more than one Loan Party
executing this Amendment, all agreements, conditions, covenants and provisions
of this Amendment shall be the joint and several obligation of each Loan Party.

      24. TIME OF ESSENCE. Time is of the essence of this Amendment.

      25. BINDING EFFECT. This Amendment and all rights and powers granted
hereby will bind and inure to the benefit of the parties hereto and their
respective permitted successors and assigns. All obligations of Borrower under
this Amendment and the other Forbearance Documents are the joint and several
obligations of each Loan Party.

      26. SEVERABILITY. The provisions of this Amendment and all other Loan
Instruments are deemed to be severable, and the invalidity or unenforceability
of any provision shall not affect or impair the remaining provisions which shall
continue in full force and effect.

      27. NO THIRD PARTY BENEFICIARIES. The rights and benefits of this
Amendment and the Loan Instruments shall not inure to the benefit of any third
party.

      28. MODIFICATIONS. No modifications of this Amendment or any of the shall
be binding or enforceable unless in writing and signed by or on behalf of the
party against whom enforcement is sought.

      29. HOLIDAYS. If the day provided herein for the payment of any amount or
the taking of any action falls on a Saturday, Sunday or public holiday at the
place for payment or action, then the due date for such payment or action will
be the next succeeding business day.

      30. LAW GOVERNING. This Amendment will be construed in accordance with and
governed by the laws of the state of Arizona.

      31. HEADINGS. The headings of the Articles, Sections, paragraphs and
clauses of this Amendment are inserted for convenience only and shall not be
deemed to constitute a part of this Amendment.

      32. COUNTERPARTS. This Amendment may be executed in any number of
counterparts, all of which taken together constitute one and the same
instrument, and any of the parties hereto may execute this Amendment by signing
any such counterpart.

      33. ENTIRE AGREEMENT. This Agreement constitutes the entire agreement
among the parties hereto concerning the subject matter set forth herein and
supersedes all prior or contemporaneous oral and/or written agreements and
representations not contained herein concerning the subject matter of this
Agreement.

      34. WAIVER OF RIGHT TO TRIAL BY JURY. EACH LOAN PARTY AND LENDER WAIVE ANY
RIGHT TO TRIAL BY JURY ON ANY CLAIM, DEMAND, ACTION OR CAUSE OF ACTION (A)
ARISING UNDER THIS AMENDMENT, THE LOAN INSTRUMENTS, OR ANY OTHER DOCUMENT OR
INSTRUMENT REFERRED TO HEREIN OR DELIVERED IN CONNECTION HEREWITH, OR (B) IN ANY
WAY CONNECTED WITH OR RELATED OR INCIDENTAL TO THE DEALINGS OF SUCH LOAN PARTY
WITH RESPECT TO THIS AMENDMENT, THE LOAN INSTRUMENTS OR ANY OTHER DOCUMENT OR
INSTRUMENT REFERRED TO HEREIN OR DELIVERED IN CONNECTION HEREWITH, OR THE
TRANSACTIONS RELATED HERETO OR THERETO, IN EACH CASE WHETHER SOUNDING IN
CONTRACT OR TORT OR OTHERWISE. EACH LOAN PARTY AND LENDER AGREE AND CONSENT THAT
ANY SUCH CLAIM, DEMAND, ACTION OR CAUSE OF ACTION SHALL BE DECIDED BY COURT
TRIAL WITHOUT A JURY, AND THAT ANY PARTY TO THIS AMENDMENT MAY FILE AN ORIGINAL
COUNTERPART OR A COPY OF THIS SECTION WITH ANY COURT AS WRITTEN EVIDENCE OF THE
CONSENT OF LOAN PARTIES, LENDER TO THE WAIVER OF THEIR RIGHT TO TRIAL BY JURY.
BORROWER ACKNOWLEDGE THAT THEY HAVE HAD AN OPPORTUNITY TO CONSULT WITH COUNSEL
REGARDING THIS SECTION, THAT THEY FULLY UNDERSTAND ITS TERMS, CONTENT AND
EFFECT, AND THAT THEY VOLUNTARILY AND KNOWINGLY AGREE TO THE TERMS OF THIS
SECTION.

                                      -26-
<PAGE>

      35. RESULTS OF NEGOTIATION. Borrower acknowledge that they have been
represented by counsel in connection with the execution and delivery of this
Amendment and that the terms and conditions of this Amendment are the result of
negotiation between the parties hereto. Borrower further acknowledge that they
have knowingly waived their right to (i) be heard prior to the entry of a
judgment by confession and understand that, upon such entry, such judgment shall
become a lien on all real property of Loan Parties in the county where such
judgment is entered; (ii) trial by jury; and (iii) certain other rights as set
forth in detail above. Borrower acknowledge that such waivers and consents
constitute a material inducement for Lender to enter into this Amendment and
they have been fully advised of the consequences of such provisions by their
counsel.

                                      -27-
<PAGE>

      IN WITNESS WHEREOF, the parties hereto have executed this Amendment,
intending to be legally bound hereby.

                                BORROWER:

                                AQUIS WIRELESS COMMUNICATIONS, INC., a
                                Delaware corporation

                                By:  /s/ Alex E. Stillwell
                                   --------------------------------------------
                                     Alex E. Stillwell, Chief Executive Officer

                                LENDER:

                                FINOVA CAPITAL CORPORATION

                                By: /s/ John B. Burtchaell Jr.
                                   --------------------------------------------
                                Name/Title: John B. Burtchaell Jr., Sr. V.P.
                                           ------------------------------------

                                      -28-

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