Document:

EXHIBIT 10.13

                                          SCHEDULE A TO BUSINESS LEASE AGREEMENT

[HEWLETT PACKARD LOGO]         hp financial services

                                                         Lease Number: 5001 B3CO

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  Lessee (full legal name):             KRYPTOSIMA, LLC
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  Tax ID Number:
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  Equipment Description:                  See note 139630-3
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  Equipment Location: (if different from Billing Address)

  Street Address:   98 Shoreline Way
  City:  HAMPTON          County: HENRY          State:GA          Zip:30228
  Area Code/Phone No.:
  Area Code/Fax No.:

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  Vendor Information: (NAME)        AVNET COMPUTER
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  Street Address:   3011 S 52ND STREET
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  City: TEMPE          County:          State: AZ          Zip:85282
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  Area Code/Phone No: 602 367 1100                      Area Code/Fax No:
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  Initial Term                    Base Lease Payment     ADVANCE LEASE PAYMENT
  48 Months                       $700.28                $74930

  End of Term PURCHASE OPTION
                                  DOCUMENTATION FEE      TOTAL ADVANCE REQUIRED
  $1 B.O.                         $75.00                 $82430

LESSEE'S END OF TERM OPTIONS:

If you have on a timely basis fully  complied with all the terms and  conditions
of this Lease, you may choose to exercise one of the following  options upon the
natural  expiration of the initial term or any renewal term,  provided  however,
you must give us written notice not less than ninety (90) days before expiration
of the relevant term:

1. EQUIPMENT  PURCHASE  OPTION:  You may purchase the Equipment for the Purchase
Price (as defined below) on an "all or none" and "asis, where-is" basis, without
any representations or warranties, including no warranties of merchantability or
fitness  for a  particular  purpose.  "Purchase  Price"  means  (a) if you  have
selected a FMV End of Term Purchase Option (as indicated  above),  the then Fair
Market Value (as defined  below) of the  Equipment  (plus all  applicable  sales
taxes),  or (b) if you  have  selected  a 10% End of Term  Purchase  Option  (as
indicated above), an amount equal to ten percent (10%) of the original Equipment
cost (plus all applicable sales taxes),  or (c) if you have selected a $1.00 End
of Term  Purchase  Option (as indicated  above),  and amount equal to one dollar
($1.00) (plus all applicable  sales taxes).  "Fair Market Value" means the price
that a willing buyer (who is neither a lessee in possession nor a used equipment
dealer) would pay for the Equipment in an arm's-length  transaction to a willing
seller  under  no  compulsion   to  sell;   rovided,   however,   that  in  such
determination: (i) the Equipment will be assumed to be in the condition in which
it is required to be maintained and returned under this Lease,  (ii) in the case
of any  installed  Equipment,  that  Equipment  shall be valued on an  installed
basis,  and (iii)  costs of removal  from the  current  location  shall not be a
deduction  from such  valuation.  If you and we are  unable to agree on the Fair
Market Value of the Equipment at least thirty (30) days before Lease expiration,
we will  appoint an  independent  appraiser  (reasonably  acceptable  to you) to
determine  the Fair  Market  Value and such  appraiser's  determination  will be
final, binding and conclusive.  You will bear all costs associated with any such
appraisal.

2. LEASE RENEWAL OPTION:  You may renew the Lease at the then Fair Market Rental
Value.  "Fair Market  Rental Value" means the amount of periodic rent that would
be payable for the Equipment in an arm's length transaction  between an informed
and willing lessee and an informed and willing lessor,  neither under compulsion
to lease. Such amount will not be reduced by the costs of removing any Equipment
from its current  location or moving it to a new location.  In the event of such
an election, Lessee shall enter into a mutually agreeable renewal agreement with
Lessor on or before  the last day of the then  applicable  term  confirming  the
period for which the Lease is to be renewed (the "Renewal Term"), and the amount
of Rent and the times at which  such Rent is to be payable  during  the  Renewal
Term.

3. EQUIPMENT RETURN OPTION: You may return the Equipment,  at your expense, to a
location  designated  by us on or before  the last day of the Lease  term.  Upon
return,  the Equipment  must be in the same condition as when you first received
it (excepting  only  reasonable  wear and tear) and include all original  parts,
attachments  and  accessories.  You must  also  return  to us all  copies of any
operating system software  (including any certificate of authenticity,  end user
license  agreement,  any  CD-ROM,  diskettes  or other  media  relating  to such
software and any other materials delivered with such software) you received with
the Equipment.

ADVANTAGE  PROTECTION  PLUS  PROGRAM  MONTHLY  FEE:  0.20% OF LESSOR'S  ORIGINAL
EQUIPMENT  COST.  SEE EXHIBIT I FOR THE  COMPLETE  TERMS AND  CONDITIONS  OF THE
ADVANTAGE PROTECTION PLUS PROGRAM.

                                              LESSEE (INITIAL):  X
                                                               -----------------

<PAGE>

                                          SCHEDULE B TO BUSINESS LEASE AGREEMENT

[HEWLETT PACKARD LOGO]         hp financial services

                                                          LEASE NUMBER: 5001B3C0

                          ADVANCE PAYMENT AUTHORIZATION

              ONE-TIME AUTHORIZATION FOR YOUR ADVANCE PAYMENT ONLY

This Advance Payment  Authorization will allow us to electronically  reproduce a
duplicate  check drawn  against your business  deposit  account for your advance
payment and  document fee in the amount  specified  in Schedule A utilizing  the
services of SpeedpayTM* or such other electronic  payment  processing service as
we deem  appropriate.  This  check  will  then be  deposited  with  our bank and
credited  towards  your  account  with us. Your hereby  consent and agree to our
reproduction and processing of your check.

Please follow the simple steps set forth below for expedited  processing of your
advance payment check. We will be able to promptly issue a purchase order to the
Vendor for the Equipment  upon receipt of your  executed  Lease  (including  the
information required by this authorization).

If you are executing this Lease manually  (i.e., by sending or faxing a manually
signed paper copy of this Lease to us, then please follow these 3 easy steps

      1.    Write "VOID" on your company check

      2.    Photocopy the voided  check,  attach the photocopy to this Lease and
            send it to us (or fax the  photocopy of the voided check to us along
            with a signed copy of this Lease at fax number 303649-5737

      3.    Record the check number,  along with the total amount of the advance
            payment shown on Exhibit A plus the  documentation fee of $75.00, in
            your check register.

If you are executing this Lease electronically,  then please follow these 3 easy
steps:

      1.    Write "VOID" on your company check

      2.    Type in the  information  requested  below  in the  facsimile  check
            (i.e.,  check number,  ABA Number and Account  Number) exactly as it
            appears on your voided check.

      3.    Record the check number,  along with the total amount of the advance
            payment shown on Exhibit A plus the  documentation fee of $75.00, in
            your check register.

                           +-------------------------+
                           |                         |
                           |           N/A           |
                           |                         |
                           +-------------------------+

*     Speedpay is registered trademark of Ecommerce Group Products, Inc.

                                              LESSEE (INITIAL):  X
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<PAGE>

                                           EXHIBIT I TO BUSLNEAS LEASE AGREEMENT
                                                       ADVANTAGE PROTECTION PLUS

[HEWLETT PACKARD LOGO]         hp financial services

                                                         Lease Number: 5001 B3CO

Terms and Conditions

        In exchange for your timely  payment of a periodic  fee (the  "Advantage
Protection  Plus Fee") in the  amount  and at the times set forth on  Schedule A
hereto  during the term of the Lease,  and subject to the terms  below,  we will
retain the risk of Loss (as defined below) of any of the Equipment provided that
1) you  notify  us within 30 days of the  occurrence  of a Loss,  2) if the Loss
results from fire,  you provide us with a certified  report from your local fire
department  within 60 days of the date of loss and 3) if the Loss  results  from
theft, you provide us with a certified report from your local police  department
within 60 days of the date of loss. "Loss" means accidental damage or accidental
loss to the relevant Equipment, subject to the exclusions described below.

        THE  ADVANTAGE  PROTECTION  PLUS  FEE  DOES  NOT  COVER  AND YOU WILL BE
RESPONSIBLE  FOR ANY LOSS OR DAMAGE  THAT 1)  RESULTS  FROM YOU OR YOUR  AGENTS'
INTENTIONAL CONDUCT OR FROM A BREACH BY YOU OF YOUR OBLIGATIONS UNDER THIS LEASE
OR 2) IS ALSO COVERED UNDER ANY WARRANTY, EXTENDED WARRANTY, SERVICE CONTRACT OR
MAINTENANCE  AGREEMENT OFFERED BY THE MANUFACTURER OR ANY RESELLER OR 3) RELATES
TO OPERATIONAL OR STRUCTURAL FAILURE DUE TO A DEFECT IN MATERIALS OR WORKMANSHIP
OR NORMAL  WEAR AND TEAR OR 4) IS ALSO  COVERED  UNDER ANY  INSURANCE  POLICY OR
CONTRACT.

        Instead of paying the  Advantage  Protection  Plus Fee, you may elect to
bear all risk of loss or damage to the Equipment, in which case you must procure
all risk  replacement  cost  insurance  for the  Equipment and provide us with a
valid  certificate  of insurance,  acceptable in form and substance to us in our
sole discretion, naming us as loss payee and requiring the insurer to provide us
with at least  fifteen  day's  prior  notice  of any  termination  of  insurance
("Certificate").  If you fail to provide us with a Certificate within 21 days of
the  acceptance  date,  you will  automatically  be  enrolled  in the  Advantage
Protection Plus program and charged the Advantage  Protection Plus Fee beginning
on the date of our next following invoice to you.  Thereafter,  you may withdraw
from the Advantage  Protection  Plus Program by providing us with a Certificate.
Any such  withdrawal will be effective as of the date of our next invoice to you
following our receipt of the Certificate (or, if we receive the Certificate less
than 15  business  days prior to the date of our next  invoice,  the date of our
second invoice to you after we receive the Certificate).

        Upon the  occurrence  of a Loss,  if you have timely paid the  Advantage
Protection  Plus Fee and have paid and performed all of your  obligations  under
this Lease, we shall either repair the Equipment  subject to the Loss or replace
the Equipment subject to the Loss with substantially similar equipment (we shall
have the sole  discretion to determine  whether to repair or replace),  and this
lease shall  remain in full force and effect for its  remaining  term as if such
Loss had not  occurred;  provided,  however,  that  you  agree  to  follow  such
reasonable  procedures  as we may  specify.  We  shall  not be  responsible  for
reconfiguring  space to accommodate  replacement  equipment if such equipment is
not of identical dimensions to the Equipment subject to the Loss.

                 Upon the  occurrence  of a Loss,  if you have  failed to pay or
perform any of your  obligations  under this Lease or have failed  timely to pay
the  Advantage  Protection  Plus Fee through  and  including  the  payment  date
immediately preceding the date on which the Loss occurred, you agree immediately
upon  notice to pay to us that  portion  of the  present  value of all  payments
provided under this Lease that we determine to be  attributable to the Equipment
subject to the Loss based on the ratio of (i) the original equipment cost of the
Equipment  subject  to the  Loss  to (ii)  the  original  equipment  cost of all
Equipment,  as determined by us in our sole discretion (the "Loss Ratio"),  plus
our original booked value of the Equipment  subject to the Loss as of the end of
the Lease.  Upon our receipt of such payment,  this Lease shall  terminate  with
respect to the Equipment subject to the Loss (but shall remain in full force and
effect with respect to all other  Equipment  for its  remaining  term as if such
Loss had not  occurred),  the  Equipment  subject to the Loss shall  become your
property and your Lease  payments for the  remaining  term of the Lease shall be
reduced as soon as is practicable on a pro rata basis based on the Loss Ratio,

        We  reserve  the right to  discontinue  the  Advantage  Protection  Plus
program  at any  time  upon  notice  to  you.  If you are  participating  in the
Advantage Protection Plus program and we discontinue it, you will be responsible
for all risk of loss or damage to the Equipment  upon receipt of such notice and
will be  obligated  to  procure  all  risk  replacement  cost  coverage  for the
Equipment.  If you fail to do so within 30 days of the date of such  notice,  we
will have the right to procure  such  insurance  for you and the  premium and an
administrative  charge  to be  specified  in such  notice  will be  included  in
subsequent invoices.

        WHETHER OR NOT YOU ELECT TO PAY THE ADVANTAGE  PROTECTION  PLUS FEE, YOU
AGREE TO MAINTAIN  ADEQUATE  LIABILITY  INSURANCE  COVERAGE  FOR THE  EQUIPMENT,
NAMING US AS  ADDITIONAL  INSURED  AND,  UPON OUR  REQUEST,  TO  FURNISH TO US A
CERTIFICATE SHOWING THAT YOU HAVE SUCH COVERAGE.

        IN THE  EVENT  OF  LOSS  OF OR  DAMAGE  TO THE  EQUIPMENT,  PLEASE  CALL
1-800-851-5115 SO WE CAN DETERMINE HOW BEST TO ASSIST YOU.

                                              LESSEE (INITIAL):  X
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<PAGE>

[HEWLETT PACKARD LOGO]         hp financial services

                                                         Lease Number: 5001 B3CO

                       DELIVERY AND ACCEPTANCE CERTIFICATE

        Hewlett-Packard  Financial  Services  Company ("we",  "us" or "our") and
KRYPTOSIMA.  LLC ("you" or "your") are parties to the Business  Lease  Agreement
(the " Lease")  identified  by the Business  Lease  Agreement  Number  specified
above. The Business Lease Agreement and its exhibits  together  comprise a Lease
that is being  accepted and commenced  pursuant to this Delivery and  Acceptance
Certificate.  All  capitalized  terms  used  in  this  Delivery  and  Acceptance
Certificate without definition have the meanings ascribed to them in the Lease .

        1. LEASE ACCEPTANCE. You hereby acknowledge that the Equipment described
in the  Schedule A or if  different,  the  Equipment  described  In the attached
invoice or other attachment hereto, has been delivered to the Equipment Location
specified  below,  inspected by you and found to be in good operating  order and
condition,  and has been  unconditionally and irrevocably  accepted by you under
the Lease  evidenced by the Business Lease  Agreement as of the Acceptance  Date
set forth below.

        2. LESSEE  ACKNOWLEDGEMENTS.  You hereby agree to faithfully perform all
of your obligations  under the Business Lease Agreement and reaffirm,  as of the
date hereof,  your  representations  and warranties as set forth in the Business
Lease Agreement. You hereby acknowledge your agreement to pay us Lease payments,
as set forth in the Schedule, plus any applicable taxes, together with all other
costs, expenses and charges whatsoever which you are required to pay pursuant to
the Business  Lease  Agreement , in each instance at the times and in the manner
set forth in the Business Lease Agreement, respectively.

         3. EQUIPMENT LOCATION.  The Equipment has been installed and is located
         at the following Equipment Location:

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

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                                         LESSEE: KRYPTOSIMA, LLC

                                         BY:
                                            ------------------------------------

                                         ---------------------------------------
                                         Name and Title

                                         Acceptance Date:
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<PAGE>

                            BUSINESS LEASE AGREEMENT
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Lessee (Complete Legal Name): KRYPTOSIMA, LLC            Lease Number: 5001 B3CO
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Billing Address: 98 SHORELINE WAY                             Tax ID Number.
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City: HAMPTON                    County:                    State: GA Zip: 30228
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Area Code/Phone No- 770-471-4944        Area Code/Fax No.
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This  lease  (including  the  attached  Schedules  A and B and  Exhibit  1, this
"Lease") refers  throughout to Lessee as "you" or  "your" and to Lessor as "we",
"us" or "our". In  consideration  of our purchase of the equipment  described on
Schedule A (the  "Equipment"),  you hereby lease the Equipment  from us for your
business  purposes  only (and not for personal,  family or household  purposes),
subject to all terms and  conditions  of this Lease.  You  acknowledge  that you
selected  the vendor as  identified  in Schedule A (the  "Vendor")  and all such
Equipment  without our  assistance.  You agree that this Lease is a net lease so
you will pay, by Lease payment Increase or upon our demand,  all costs connected
with the Lease and the Equipment,  such as taxes (e.g., property,  sales and use
taxes).  Insurance,  repairs,  maintenance,  shipping,  filing fees,  collection
costs,  bad check charges,  and reasonable  attorneys' fees. You authorize us to
adjust your Lease payment by up to twenty percent (20%) if the actual total cost
of the  Equipment  at  acceptance  varies from the original  estimate.  You also
authorize  us to  initiate a debit  entry from your  business  deposit  account,
designated  by you below under the  Advance  Payment  Authorization  attached as
Schedule B, for any advance  payment due under this Lease.  Lease payments shall
commence on the Acceptance Date, as defined below, and are due in advance on the
same date each month. We will hold any advance payments as a non-refundable  and
noninterest  bearing deposit which will be co-mingled with other funds and which
will be credited  first against the first Lease payment due. Any excess  advance
payment will be credited against the last Lease payment(s) due. You agree to pay
a one-time  documentation  fee in the amount  specified  in  Schedule A with the
first Lease payment to cover account-setup  costs. If you do not elect to either
purchase the  Equipment,  renew the Lease or return the  Equipment by the end of
the Lease term in accordance with the terms of Schedule A hereto, or you fail to
comply with your obligations arising from the election, you will continue to pay
the  original  Lease  payments  for any full or partial  month that you keep the
Equipment.  If you  have  selected  either  a FMV or a 10% End of Term  Purchase
Option (as  indicated  on Schedule A), then we and you intend this Lease to be a
"Finance  Lease" as defined in Article  2A of the  Uniform  Commercial  Code (as
enacted  and in  effect  in any  applicable  jurisdiction,  the  "UCC")  and you
authorize  us to file a UCC  financing  statement  to give public  notice of our
ownership of the  Equipment.  If you have  selected a $1.00 End of Term Purchase
Option  or if this  Lease  is  otherwise  deemed  to be a  "lease  intended  for
security", then to secure payment and performance of your obligations under this
Lease,  you hereby grant us a purchase money security  interest in the Equipment
and in all attachments,  accessories,  additions,  products,  replacements,  and
proceeds (including  insurance  proceeds) to and of the Equipment,  as well as a
security  interest in any other equipment we have leased to or financed for you,
and you authorize us to file a UCC financing  statement to perfect such security
interest.  You  hereby  appoint  us as  your  attorney-in-fact to  sign  any UCC
financing  statements in your name and to modify Schedule A to reflect any Lease
payment  adjustment  provided for above and to complete or modify any  Equipment
description  in Schedule A or any related  document to  accurately  describe the
Equipment actually accepted by you.

EXCEPT  AS  TO  QUIET  ENJOYMENT,  WE  MAKE  ABSOLUTELY  NO  REPRESENTATIONS  OR
WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING NO WARRANTY OF MERCHANTABILITY OR OF
FITNESS FOR A PARTICULAR  PURPOSE.  You can only make any claim retlating to the
Equipment  against  the  Vendor or  manufacturer,  and you waive any such  claim
against us. We hereby assign any Equipment  warranties during the Lease term for
your exercise at your expense. WE WILL NOT BE LIABLE FOR SPECIAL,  INDIRECT,  OR
CONSEQUENTIAL   DAMAGES,   YOU   AGREE  TO  MAKE   PAYMENTS   TO  US  WHEN  DUE,
UNCONDITIONALLY, WITHOUT ABATEMENT OR OFFSET FOR ANY CAUSE AND REGARDLESS OF ANY
PROBLEMS WITH THE EQUIPMENT, VENDOR, OR US AND YOU WAIVE ANY CLAIM OR DEFENSE TO
ANY LEASE PAYMENT.

You agree to indemnify  us against  third party claims or other loss or damages,
including  attorneys'  fees,  arising  directly or  indirectly  out of Equipment
defects, use, or operation, and whether arising out of breach of contract, tort,
or strict or  product  liability.  You  agree  not to move the  Equipment  or to
transfer,  sell, sublease,  or encumber either the Equipment or any rights under
this Lease  without our prior written  consent.  We may freely assign our rights
and interests under this Lease without notice to you or your consent.  You agree
that our  assignee  will have the same rights and remedies as we do and that our
assignee's  rights will not be subject to any claims you may have against us. We
own the  Equipment  and,  unless you have  selected a $1.00 End of Term Purchase
Option,  we  retain  all  benefits  of  ownership  and you agree not to take any
position  inconsistent  with our  ownership.  We may inspect the  Equipment  and
attach  Equipment   ownership  labels.   You  are  solely  responsible  for  the
installation,  operation, and maintenance of the Equipment, will keep it in good
condition, will use it in compliance with applicable law, and wil  not attach it
to  building  fixtures.  Subject to the terms and  conditions  of the  Advantage
Protection  Plus program as  described  in the attached  Exhibit 1, you bear all
risk of loss or damage to or from the  Equipment  arising prior to its return to
us,  and  will  provide  to us a  certificate  showing  that  you  have all risk
replacement cost coverage for the Equipment,  naming us as loss payee.  Upon the
occurrence of any loss or damage to the Equipment,  you agree to immediately pay
us the present  value of all  payments  provided  under this Lease plus the then
Fair  Market  Value  of the  Equipment.  WHETHER  OR NOT YOU  PAY THE  ADVANTAGE
PROTECTION PLUS PROGRAM FEE, YOU AGREE TO MAINTAIN ADEQUATE LIABILITY  INSURANCE
COVERAGE  FOR THE  EQUIPMENT,  NAMING US AS  ADDITIONAL  INSURED  AND,  UPON OUR
REQUEST, TO FURNISH TO US A CERTIFICATE SHOWING THAT YOU HAVE SUCH COVERAGE.

If you do not pay or perform any  obligation  under this Lease within 10 days of
when such payment or  performance  is due, or you or any guarantor  die,  become
insolvent  or unable  to pay debts  when due;  stop  doing  business  as a going
concern; merge,  consolidate,  transfer all or substantially all of your assets;
make an assignment  for the benefit of creditors,  appoint a trustee or receiver
or undergo a substantial deterioration of financial health, we can do any or all
of the  following:  (1) accelerate  without notice all payments  provided for in
this Lease.  (2) immediately  repossess the Equipment,  (3) collect all costs of
collection,  including reasonable attorneys' fees, (4) collect lost tax benefits
and all unpaid amounts due hereunder,  (5) sell or relet the Equipment,  and (6)
exercise all other  remedies at law or equity.  If we do not receive any payment
when due, you will pay a one-time  late charge on any overdue  payment  equal to
the  greater of  $.10/dollar  for each lace  payment,  or $15,  plus a charge of
1-1/2% of the late  payment  for every  month after the first month in which the
payment is late,  but in any case,  never to exceed more than the maximum charge
allowed by law. in addition,  if you are delinquent in payment, you agree to pay
a  collection  call charge of $15 per call and a personal  visit charge equal to
the  greater of $75 or the actual  out-of-pocket expenses  incurred by us in our
collection  efforts.  Your  payments may be applied,  as we elect,  first to the
oldest  amount  due.  Our action or  failure to act on any one remedy  shall not
constitute  an election of such as our sole remedy.  Any provision of this Lease
is  severable if  unenforceable.  Any action or claim by you against us shall be
commenced within one year after the cause of action arises or be forever barred.

You agree to sign such other  documents  and take such  other  actions as we may
require  to  accomplish  the  intent  and  purpose  of this  Lease.  All of your
representations,   warranties  and  obligations   hereunder  shall  survive  the
termination  of this  Lease.  All  notices,  demands  and  other  communications
required to be given under this Lease shall be in writing and shall be deemed to

have been  given it  delivered  personally  or mailed  via  certified  mail or a
nationally  recognized overnight courier service.  TIME IS OF THE ESSENCE.  THIS
LEASE SHALL BE DEEMED FULLY  EXECUTED  AND  PERFORMED IN THE STATE OF NEW JERSEY
AND SHALL BE

GOVERNED BY AND  CONSTRUED  IN  ACCORDANCE  WITH THE LAWS  THEREOF.  THE PARTIES
HERETO  EXPRESSLY WAIVE ALL RIGHTS TO A TRIAL BY JURY IN ANY  JURISDICTION.  YOU
WAIVE ANY  STATUTORY  PROVISIONS  WHICH  CONFLICT  WITH THE TERMS OF THIS LEASE,
INCLUDING BUT NOT LIMITED TO UCC ARTICLE 2A SECTION 303 AND SECTIONS 508 THROUGH
522. You acknowledge that neither any Vendor nor any Equipment salesperson Is an
agent of ours nor are they authorized to waive or alter the terms of this Lease.
Their  representations  In no way affect any of our  rights and  obligations  as
herein set forth.  You agree that an  executed  copy of this Lease  bearing  our
original  manual  signature  and  your  signature  (either  an  original  manual
signature or such signature  reproduced by means of a reliable  electronic form,
such  as  a  photocopy,   facsimile   or,  if  you  have   executed  this  Lease
electronically  as  specified  below,  a printout of this Lease from our systems
bearing your electronic  signature),  shall be marked "Original* by us and shall
constitute  the orgy  original  document for all effective  purposes;  all other
copies shall be duplicates.  To the extent this Lease constitutes  chattel paper
(as  defined  in the UCC),  no  security  interest  in this Lease may be created
except by possession or transfer of the executed copy marked "Original" by us.

By signing and  Initialing a copy of this Lease where  required below (either on
paper or electronically) and providing the deposit account Information  required
by  Schedule  B, you are  agreeing  to all of the terms and  conditions  of this
Lease,  Including  the terms and  conditions  contained In Schedules A and 8 and
Exhibit 1, each of which Is hereby  incorporated by reference Into this Business
Lease Agreement.  This Lease shall become  effective upon our acceptance  hereof
but we will have no obligation to purchase the Equipment until you have accepted
It as set forth below. To execute this Lease  electronically,  do the following:
(1) type  your  name (if you are an  individual)  or the name of the  authorized
person signing on your behalf on the signature line below; (2) type the signer's
name and tills where  indicated  immediately  below the signature line; (3) type
the  signer's  initials  and today's date where  indicated  below;  (4) type the
signer's  initials  and click "I Accept"  with you mouse where  indicated at the
bottom of each of  Schedules  A and B and  Exhibit 1 (in the case of Schedule B,
after typing in the required deposit account information); and (5) disk "Submit"
with your mouse where indicated after Exhibit 1 (collectively,  your "ELECTRONIC
SIGNATURE").  BY SO EXECUTING  THIS LEASE  ELECTRONICALLY,  YOU AGREE TO CONDUCT
THIS  TRANSACTION  IN ELECTRONIC  FORM,  AND  UNDERSTAND  AND AGREE THAT YOU ARE
SIGNING AND  AUTHENTICATING  THIS LEASE AND AGREEING TO BE LEGALLY  BOUND BY ITS
TERMS.  YOU ALSO  UNDERSTAND  THAT A RECORD OF THIS  LEASE  AND YOUR  ELECTRONIC
SIGNATURE  WILL BE  STORED  IN  ELECTRONIC  FORM BY US.  YOU  INTEND  BOTH  YOUR
ELECTRONIC  SIGNATURE AND THE ELECTRONIC RECORD OF IT TO BE YOUR LEGAL SIGNATURE
TO THIS LEASE.

                        LESSEE SIGNATURE HERE AND BELOW*

BY.,  X_______________________________________

Print Name and Title of Signatory;__________________________

--------------------------------------------------------------------------------
                         READ CAREFULLY BEFORE SIGNING
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THIS LEASE IS NON-CANCELLABLE  AND IS OUR FULL AND FINAL AGREEMENT.  MERGING ALL
PRIOR  UNDERSTANDINGS,  AND CANNOT BE MODIFIED OR TERMINATED EXCEPT BY A WRITTEN
AGREEMENT SIGNED BY YOU AND BY A CORPORATE  OFFICER OF OUR COMPANY.  YOU WARRANT
TO US THAT YOU HAVE RECEIVED. REVIEWED AND APPROVED YOUR VENDOR'S WRITTEN SUPPLY
CONTRACT  COVERING  THE  EQUIPMENT  TERMS OF SALE  AND  WARRANTIES.  YOU  HEREBY
AUTHORIZE US TO PURCHASE THE EQUIPMENT IN RELIANCE  SOLELY UPON YOUR  STATEMENTS
HEREIN. BY YOUR INITIALS BELOW, YOU SHALL BE DEEMED TO HAVE IRREVOCABLY ACCEPTED
THE EQUIPMENT 10 BUSINESS DAYS AFTER  SHIPMENT OF THE EQUIPMENT TO YOU UNLESS WE
RECEIVE YOUR WRITTEN  REJECTION PRIOR TO THE END OF THE 10-DAY PERIOD.  HOWEVER,
YOU AGREE TO EXECUTE AND  DELIVER TO US A DELIVERY  AND  ACCEPTANCE  CERTIFICATE
UPON OUR REQUEST.  "ACCEPTANCE  DATE" MEANS THE FIRST BUSINESS DAY FOLLOWING THE
EXPIRATION  OF SUCH 10-DAY  PERIOD OR SUCH OTHER DATE SET FORTH IN ANY  DELIVERY
AND ACCEPTANCE  CERTIFICATE  REQUESTED BY US. THE TERM OF THIS LEASE SHALL BEGIN
ON THE ACCEPTANCE DATE.

LESSEE (INITIAL): X                                      DATE:
                   --------------------------------           ------------------

ACCEPTED BY:  HEWLETT-PACKARD FINANCIAL SERVICES COMPANY

BY:                                                      DATE:
   -----------------------------------------------            ------------------

In  consideration  of this Lease of  Equipment  to Lessee,  and  intending to be
legally  bound,  the  undersigned  ("Guarantor")  personally,   irrevocably  and
unconditionally  guarantees  payment and performance of, and as a primary debtor
agrees to be jointly and severally liable for (without  becoming entitled to the
benefits of) all terms and conditions of this Lease until all obligations  under
this Lease are satisfied,  including  payment of collection costs and attorneys'
fees.  WE MAY  PROCEED  AGAINST  THE  GUARANTOR  IN THE FIRST  INSTANCE  WITHOUT
RESORTING TO OTHER  REMEDIES,  AND THE  GUARANTOR  WAIVES ANY STATUTORY OR OTHER
RIGHT TO REQUIRE OTHERWISE. Guarantor waives subrogation rights; waives defenses
and rights relating to impairment,  invalidity,  modification,  extension of the
Lease, or relating to substitution,  dishonor,  release or compromise of Lessee;
waives demand,  protest,  presentment;  and waives all notices related to any of
the foregoing. It Guarantor is executing this Guaranty electronically,  do so by
(1) typing  Guarantor's  name and social  security  number on the signature line
below, and (2) clicking  "Submit" with  Guarantor's  mouse where indicated below
(collectively,  "GUARANTOR ELECTRONIC SIGNATURE"). BY 50 EXECUTING THIS GUARANTY
ELECTRONICALLY, GUARANTOR AGREES TO CONDUCT THIS TRANSACTION IN ELECTRONIC FORM,
AND  UNDERSTANDS  AND AGREES THAT GUARANTOR IS SIGNING AND  AUTHENTICATING  THIS
GUARANTY  AND  AGREEING  TO BE  LEGALLY  BOUND  BY  ITS  TERMS.  GUARANTOR  ALSO
UNDERSTANDS  THAT A  RECORD  OF  THIS  GUARANTY  AND  THE  GUARANTOR  ELECTRONIC
SIGNATURE WILL BE STORED IN ELECTRONIC  FORM BY US.  GUARANTOR  INTENDS BOTH THE
GUARANTOR ELECTRONIC SIGNATURE AND THE ELECTRONIC RECORD OF IT TO BE GUARANTOR'S
LEGAL SIGNATURE TO THIS GUARANTY.

                            GUARANTOR SIGNATURE HERE

BY: X                                             SOC. SEC #
   -------------------------------------------              --------------------
<PAGE>

[HEWLETT PACKARD LOGO]         hp financial services

September 4, 2003
Dear Customer:

Thank you for choosing HP Financial Services as your leasing source. We are glad
we could be of assistance in helping you get the  technology  solutions you need
for your  business.  To  expedite  the  shipment of your  equipment,  it is very
important  for you to review the enclosed  lease  documents  and to follow these
step-by-step instructions for completing your lease transaction. PLEASE REMEMBER
THAT YOUR  EQUIPMENT  CAN'T BE  SHIPPED  UNTIL YOU  COMPLETE  AND  RETURN  THESE
DOCUMENTS.

1.    Please carefully review the enclosed lease documents for the equipment you
      ordered  from A VNET  COMPUTER.  IF ANY  CHANGES  NEED TO BE MADE TO THESE
      DOCUMENTS, PLEASE CALL 303 649 5658.

2.    Please have an individual  authorized to sign legal  documents  sign, date
      and initial the documents where indicated.

3.    AN ADVANCE LEASE PAYMENT IS REQUIRED ALONG WITH THE SIGNED  DOCUMENTS.  To
      expedite,  please fill out the  SpeedPay  authorization  form and attach a
      copy of a VOIDED  check.  Execution  of this form will  provide  us with a
      one-time authorization to electronically  reproduce your advance check. We
      will utilize your check  number.  Upon  commencement  of your Lease,  this
      check will be  automatically  credited to your  account.  Record the check
      number,  along  with the total  amount  of the  advance  payment  shown on
      Exhibit A plus the documentation fee of $75.00, in your check register.

4.    PLEASE  FAX  THE  EXECUTED  LEASE  AND  THE  COMPLETED  SPEEDPAY  FORM  TO
      303-649-5737.  WE WILL  EXPEDITE YOUR  EQUIPMENT  order  immediately  UPON
      receipt of these documents.

5.    Per the terms of the agreement, you agree that you shall be deemed to have
      irrevocably  accepted the equipment under any lease 10 business days after
      shipment of the equipment to you unless we receive your written  rejection
      prior to the end of the 10-day period.  However,  you agree to execute and
      deliver to us a Delivery and Acceptance Certificate in the form of Exhibit
      D with respect to any lease upon our request. If an acceptance certificate
      is sent to you, when you receive the  equipment,  please sign the Delivery
      and  Acceptance  form and the Schedule A attached to it and return both to
      us by fax at 303-649-5737.  "Acceptance Date" means the first business day
      following  the  expiration  of such  10-day  period or such other date set
      forth in any Delivery and Acceptance Certificate requested by us. The term
      of the lease shall begin on the related acceptance date.

6.    Your  lease  agreement  requires  that you either  enroll in HP  FINANCIAL
      SERVICES' ADVANTAGE  PROTECTION PLUS PROGRAM,  WHICH protects you from the
      risk of accidental total loss or total destruction OF ANY OF THE EQUIPMENT
      YOU  LEASE  FROM HP  FINANCIAL  Services,  or  provide  proof  of all risk
      replacement cost insurance  coverage for the leased  equipment.  You don't
      need to do anything to get  Advantage  Protection  PLUS;  we'll enroll you
      automatically if we don't receive an insurance  certificate within 21 days
      of the acceptance  date. The monthly cost of Advantage  PROTECTION PLUS is
      0.2% of the original equipment cost and will be added to your payment each
      month.

7.    If you do not want to get Advantage  Protection  PLUS, you must provide us
      with an insurance  certificate  naming us as loss payee.  After faxing the
      Lease  Agreement  to us,  please  contact  your agent to request  coverage
      listing  Hewlett-Packard  Financial  Services  Company as "loss payee" and
      "additional insured" as soon as possible.  YOUR AGENT SHOULD PRINT OR TYPE
      YOUR LEASE  NUMBER (FROM THE UPPER RIGHT HAND CORNER OF YOUR LEASE) ON THE
      INSURANCE  CERTIFICATE  AND FAX THE CERTIFICATE TO US AT (908) 898-4170 OR
      MAIL IT TO  HEWLETT-PACKARD  FINANCIAL  SERVICES  COMPANY AT 420  MOUNTAIN
      AVENUE,  P.O. BOX 6 MURRAY HILL, N.J.  07974-0006 IF WE DON'T RECEIVE YOUR
      CERTIFICATE  WITHIN 21 DAYS OF THE ACCEPTANCE DATE, YOU WILL AUTOMATICALLY
      BE ENROLLED IN THE ADVANTAGE PROTECTION PLUS PROGRAM.

AGAIN,  THANK YOU FOR CHOOSING HP FINANCIAL  SERVICES AS YOUR LEASING SOURCE. IF
YOU  HAVE  ANY  QUESTIONS  OR  CONCERNS,  PLEASE  DON'T  HESITATE  TO CALL US AT
1-888-277-5944.

Sincerely,

Terri Holt
Contract Administration Services 303 649 5658

[HEWLETT PACKARD LOGO]                    hp financial services

                                                 420 MOUNTAIN AVENUE, P.O. BOX 6
                                                    MURRAY HILL, N.J. 07974-0006Inventech / Kryptosima Provisional Agreement                        Page 1 -of 2

                                  EXHIBIT 10.14

INVENTECH / KRYPTOSIMA PROVISIONAL AGREEMENT

1.    Inventech will build and ship 50 units (proto build), no less than 15 per
      week, starting February 6, 2004, contingent upon receipt of $5,000.00
      advance by February 5, 2004.

2.    Price for 50 units is $250.00 each, payable net 5 from invoice date; the
      $5000 advance will be applied to the last payment.

3.    Inventech will build and ship 650 to 1,000 units (1st pilot production
      build) by March 31, 2004, contingent upon:

a.    Receipt of $30,000.00 advance by February 6, 2004.

b.    Completion of and timely payment for the proto build.

4.    Price for 1st pilot production build units is $45.00 each; balance payable
      net 30 from invoice date.

5.    Build and ship the balance of the 2,000 units (2nd pilot production build)
      by May 31, 2004, contingent upon:

a.    Receipt of $30,000.00 advance by April 15, 2004.

b.    Timely payment for the proto build and the 1st pilot production build.

6.    Price for 2nd pilot production build is $45.00 each; balance payable net
      30 from invoice date.

7.    Inventech will put the full manufacturing information in escrow by March
      1, 2004.

8.    In the event that Inventech is dissolved, or does not intend or is not
      able to build units for Kryptosima, a non-exclusive1, non-sub-licensable2
      build license is given to Kryptosima provided that the following
      conditions are satisfied (Inventech is open to talking to Citadel about
      signing a contract giving them the rights to manufacture under similar
      provisions):

a.    Completion and timely payment for the 50-unit proto and 2,000-unit pilot
      builds

b.    Inventech will be paid an up-front amount of $50,000.00 to cover the
      tooling costs as a condition to the release of the build information from
      escrow; in the event that Inventech is dissolved, this amount will be paid
      to its founders or their heirs or assigns.

c.    Inventech will be paid a royalty of $6.00 per unit; in the event that
      Inventech is dissolved, this amount will be paid to its founders or their
      heirs or assigns. Kryptosima will allow the audit of its books to verify
      Kryptosima's volume of manufacture. The royalty will be paid on volume
      shipped every quarter, and will be due 30 days from the end of the
      quarter.

d.    This contract is not terminated prior to item 8 being invoked.

e.    Kryptosima is in good standing, i.e. has paid all its dues to Inventech
      (or in the event that Inventech is dissolved, to its founders or their
      heirs or assigns ) in a timely manner.

-------------------------
1 Meaning that Inventech can continue to use its own IP as part of this or other
products.

2 Meaning that Kryptosima cannot sell the IP to a 3rd party or use it for
derivative products but can only use it to manufacture Spinpad Home Debit Pads.

Inventech / Kryptosima Provisional Agreement                        Page 1 -of 2
<PAGE>

9. In the event of item 8 taking effect, Inventech (or John and/or Dipankar, if
   Inventech does not survive) will provide support at a reasonable hourly rate
   to help get Kryptosima's manufacturing up and running. Kryptosima would be
   responsible for maintaining the tools and the manufacturing infrastructure
   for this product3.

10.This agreement gets automatically terminated if Kryptosima fails to pay any
   of its dues to Inventech (or in the event that Inventech is dissolved, to its
   founders or their heirs or assigns) in a timely manner.

11.Prices in this document are exclusive of applicable taxes and shipping
   costs. Prices are FOB Atlanta, GA. Taxes will not be charged if Kryptosima
   provides Inventech with their State Tax ID.

12.This new agreement cancels and supersedes all past agreements, written or
   verbal.

13.This contract can be terminated or superseded by mutual agreement in
   writing.

In witness whereof, and in acknowledgement of this agreement as of the date set
forth below, the undersigned, as the respective authorized corporate
representatives, have affixed their signatures below.

Inventech, Inc.                           Kryptosima LLC

________________________________          ________________________________
Dipankar Sarkar, President                Harry Hargens, President

________________________________          ________________________________
Date                                      Date

-------------------------
3 Meaning, for instance, if the injection mold breaks, Kryptosima would be
responsible for the repair cost if Kryptosima wants to continue building parts.

Inventech / Kryptosima Provisional Agreement                        Page 2 -of 2

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