Document:

EXHIBIT 10.2

                                 Promissory Note

$400,000                                                              3-28, 2005

      FOR VALUE RECEIVED, Joseph L. Putegnat III, an individual with a residence
of 10863 Stone Haven Way, San Diego,  California 92130 (the "Borrower"),  hereby
promises to pay to the order of AICI, Inc, a corporation  organized and existing
under the laws of the State of Nevada  and  having a place of  business  at 9255
Towne Centre Drive, Suite 235, San Diego, California 92121 (the "Lender") at the
office  of the  Lender  at 9255  Towne  Centre  Drive,  Suite  235,  San  Diego,
California  92121, or any other office  designated by the Lender,  the principal
amount of four hundred thousand dollars ($400,000) in lawful money of the United
States of America in same day or other immediately available funds together with
interest on the unpaid balance  hereof at the rate of five and one-half  percent
(5 1/2%) per annum. Principal and interest shall be payable at the office of the
Lender or such other place the Note holder may  designate  one (1) year from the
date hereof (the "Due Date").  Borrower may extend the payment of the  principal
and interest under this Note an additional three (3) months; provided,  however,
that the  terms  and  conditions  of the Loan  Documents  set  forth in the Loan
Agreement dated March 25, 2005 are not in default and the Borrower pays prior to
the Due Date an extension fee in the amount of five thousand dollars ($5,000).

      Borrower shall pay to the holder of this Note a late charge of ten percent
(10%) of the amount due if such  installment  is not received by the Note holder
on before the Due Date,  or in the event of an  extension,  on the  extended due
dates three (3) months after the Due Date..

      Notwithstanding the foregoing,  this Note shall become immediately due and
payable  without  further  notice or demand upon the occurrence of any Events of
Default.  Each of the following shall constitute an "Event of Default," whatever
the  reason  for  such  event  and  whether  or not it  shall  be  voluntary  or
involuntary,  or be effected by  operation of law or pursuant to any judgment or
order of any court or any  order,  rule or  regulation  of any  governmental  or
non-governmental body:

      (a) The Borrower shall default in any payment of any principal or interest
under the Note when and as due (whether by reason of demand, maturity, mandatory
prepayment,  acceleration  or otherwise) or in the payment of any interest under
the Note, Deed of Trust or Pledge and Security Agreement as hereinafter  defined
when and as due;

      (b) The occurrence of any "Default" as defined in the Deed of Trust or the
Pledge and Security Agreement or if such term is not defined therein, a material
breach (after any applicable grace period,  if any)  thereunder;  or any default
under any agreement or instrument which evidences a debt owed by the Borrower to
Lender;

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      (c) The filing of a petition  of  bankruptcy  by or against  Borrower  for
adjudication  as a bankrupt  under the  Bankruptcy  Reform Act as  amended,  the
dissolution of Borrower in connection  with the bankruptcy or other  insolvency,
the appointment of a receiver or trustee of substantially all of the property of
Borrower,  or the  making  by  Borrower  of an  assignment  for the  benefit  of
creditors;  provided,  however, that Borrower shall have sixty (60) days to cure
any involuntary proceedings commenced against it.

      Nothing  contained  herein  shall be deemed to  establish  or require  the
payment  of a rate of  interest  or  other  charges  in  excess  of the  maximum
permitted by applicable law. In the event that the rate of interest  required to
be paid or other charges hereunder exceed the maximum permitted by such law, any
payments in excess of such maximum shall be credited against amounts owed by the
Borrower to the Lender and then refunded to the Borrower.

      The Borrower and any endorsers,  guarantors and sureties  hereof and their
respective representatives,  heirs, successors and assigns, expressly (a) waive,
to the fullest extent permitted under law, presentment,  demand, protest, notice
of dishonor,  notice of non-payment,  notice of acceptance,  notice of maturity,
notice of default, notice of protest, notice of demand and all other demands and
notices to which each of them may  otherwise be entitled  (except for any notice
that may be  specifically  provided  for in this Note,  the Deed of Trust or the
Pledge and Security  Agreement),  and (b) consent that the Lender may release or
surrender,  exchange or substitute  any property now held or which may hereafter
be held as  security  for the  payment of this  Note,  may add any  property  as
security,  or may extend the time for payment or  otherwise  modify the terms of
payment of any part of or the whole of the debt  evidenced  hereby,  all without
releasing the  obligations  of any such party for the payment of this Note.  The
Lender  may  release  any such  party  from the  obligations  without in any way
affecting the obligations of any such other party(ies).

      Borrower  agrees to pay on demand (with  interest  after payment is due as
provided  herein)  all  reasonable  costs  and  expenses,  including  reasonable
attorneys'  fees incurred in connection  with the collection and  enforcement of
this Note and in protecting or realizing on any property  securing this Note and
all other costs and  expenses and all other  amounts  required to be paid by the
Borrower under the Deed of Trust and Pledge and Security Agreement, or any other
document to which Borrower is a party.

      If more  than one  person  signs  this  Note,  each  person  is fully  and
personally  obligated to keep all of the promises  made in this Note,  including
the promise to pay the full amount owed.  Any person who is a guarantor,  surety
or endorser of this Note is also  obligated to do these  things.  Any person who
takes over these obligations,  including the obligations of a guarantor,  surety
or endorser of this Note is also  obligated to keep all of the promises  made in
this Note.

      This Note shall be binding  upon the Borrower  and  Borrower's  successors
(including,  without  limitation,  successors  by  merger),  assigns,  heirs and
representatives  and shall inure to the benefit of the Lender and its successors
and assigns.

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      This Promissory Note shall be construed in accordance with and governed by
the laws of the State of California.

      Any notice to Borrower provided for in this Note shall be given by mailing
such notice by certified mail return receipt requested  addressed to Borrower at
the address stated below,  or to such other address as Borrower may designate by
notice  to the note  holder.  Any  notice to the note  holder  shall be given by
mailing such notice by certified  mail,  return receipt  requested,  to the note
holder at the address stated above in this Note, or at such other address as may
have been designated by notice to Borrower.

      This Note is secured by any and all  collateral at any time granted to the
Lender to secure any obligations of the Borrower,  including, but not limited to
a Deed of Trust and a Pledge and Security  Agreement of even date  herewith with
respect to certain collateral of Borrower described therein.

Borrower:

/s/ Joseph Lyle Putegnat III
----------------------------
Joseph Lyle Putegnat IIIEXHIBIT 10.3

                          Pledge and Security Agreement

      PLEDGE AND SECURITY AGREEMENT ("Agreement"), dated March 28, 2005, between
Joseph L. Putegnat III, an individual with a residence of 10863 Stone Haven Way,
San Diego, California 92130 (the "Pledgor"),  AICI, Inc, a corporation organized
and  existing  under  the laws of the  State  of  Nevada  and  having a place of
business at 9255 Towne Centre Drive, Suite 235, San Diego, California 92121 (the
"Secured  Party"),  and Richard A. Weintraub PC, a professional  law corporation
organized  and  existing  under the laws of the State of  California  having its
principal place of business at 10085 Carroll Canyon Road, Suite 210B, San Diego,
California 92131 ("Escrow Agent").

      WHEREAS, Pledgor and Secured Party are parties to a certain Loan Agreement
dated March 25, 2005 (the "Loan  Agreement")  which Loan Agreement  provides for
the loan to  Pledgor by Secured  Party  certain  funds as set forth in a Note of
even date.

      NOW THEREFORE,  in  consideration  of the entering into the Loan Agreement
and the making of the  obligations  evidenced by the Covenant the parties hereto
as follows:

      1. As collateral security for the full and timely payment, performance and
observance  of all of the  Obligations  (as  hereinafter  defined),  the Pledgor
hereby  deposits,  hypothecates,  pledges,  transfers and delivers to the Escrow
Agent all the Pledged Securities,  in form transferable for delivery, and grants
to the Secured  Party a security  interest  in, the shares of stock and interest
and the certificates or other instruments or documents  evidencing same in AICI,
Inc. (the  "Company") more  particularly  described in Schedule A annexed hereto
and made a part hereof and such additional property at any time and from time to
time receivable by the Secured Party  hereunder or otherwise  distributed by the
Company  in  respect  of or in  exchange  for  any or all  such  shares  (herein
collectively called "Pledged Securities" which term shall also include all other
property  (tangible and intangible) which this Agreement  designates as "Pledged
Securities").  Pledgor hereby grants to Secured Party a security interest in and
to the Shares represented by the Pledged Securities and the proceeds of same, as
security for the payment and  performance of all  obligations,  liabilities  and
indebtedness of the Company arising under or pursuant to the Loan Agreement.  By
executing this Agreement,  the Escrow Agent  acknowledges  the existence of such
security interest. Pledgor shall also provide to the Escrow Agent a Stock Powers
separate from Certificate, signed in blank, in the form set forth in Schedule B,
to  transfer  the  Pledged  Securities,  as herein  contemplated,  and agrees to
provide such  additional  documentation  to transfer the Pledged  Securities  as
requested from time to time by the Secured Party.

      "Obligations"  shall mean the obligations of Putegnat to the Secured Party
evidenced by the Loan Agreement and secured by this Agreement.

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      2. (a) Based on the Secured  Party's  representations  and  warranties  to
Pledgor  contained in the Loan  Agreement,  the Pledgor  represents and warrants
that the Pledged  Securities  are,  and will be on deposit  hereunder,  duly and
validly issued and duly and validly pledged with the Secured Party in accordance
with law. Pledgor hereby agrees to defend the Secured Party's right, title, lien
and security  interest in and to the Pledged  Securities  against the claims and
demands of all persons  whomsoever.  The Pledgor also represents and warrants to
the Secured  Party that Pledgor has,  and will have on deposit  hereunder,  good
title to all of the Pledged Securities,  free and clear of all claims, rights to
purchase  or redeem,  requirements  to sell or  otherwise  transfer,  mortgages,
pledges, liens,  encumbrances and security interests of every nature whatsoever,
and that no consent or approval of any governmental or regulatory authority,  or
of any  securities  exchange,  or any other  person was or is  necessary  to the
validity of this pledge which has not been obtained.

      (b) The Pledgor will not sell,  assign,  transfer or otherwise dispose of,
grant any option with respect to, or pledge or grant any security interest in or
otherwise encumber any of the Pledged Securities or any interest therein, except
for the pledge thereof provided for in this Agreement.

      (c) The Pledgor,  without the prior written  consent of the Secured Party,
will not cause the Company to merge or consolidate  with any third party or sell
all or substantially all of the Company's assets.

      3.  (a) In the  Event  of  Default  or in the  event of a right of sale by
Secured Party  pursuant to Paragraph 7 hereof,  the Escrow Agent shall cause all
or any of the Pledged  Securities  to be  transferred  to or  registered  in the
Secured  Party's  name or the name of its  nominee  or  nominees.  Any  remedies
available to the Secured Party upon the  occurrence of an Event of Default shall
be deemed to be available only after the expiration of any applicable notice and
cure period.

      (b) If the amounts due under the Loan Agreement shall be paid in full, the
Secured Party shall deliver  written  notice to that effect to the Escrow Agent.
Upon receipt of such  notice,  the Escrow  Agent shall  immediately  release the
Pledged  Securities  from the escrow and deliver them to Pledgor,  at which time
the escrow shall terminate.

      4. So long as there shall exist no event of default  under this  Agreement
or the Loan  Agreement  ("Event of  Default") or  condition,  event or act which
constitutes,  or with notice or lapse of time,  or both,  would  constitute,  an
Event of Default,  the Pledgor  shall be entitled to exercise,  as Pledgor shall
think fit, but in a manner in the  reasonable  judgment of the Secured Party not
inconsistent with the terms hereof or with the terms of the Loan Agreement,  the
voting  power with respect to the Pledged  Securities,  and for that purpose the
Secured Party shall (if the Pledged  Securities  shall be registered in the name
of the Secured  Party or its nominee)  execute or cause to be executed from time
to time,  at the expense of the Pledgor,  such proxies or other  instruments  in
favor of the Pledgor or its nominee, in such form and for such purposes as shall
be  reasonably  required  by the  Pledgor  and shall be  specified  in a written
request  therefor of its  President or a Vice  President,  to enable  Pledgor to
exercise such voting power with respect to the Pledged Securities.

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      5. In case,  upon the  dissolution or liquidation (in whole or in part) of
the Company, any sum be paid as a liquidating dividend or otherwise upon or with
respect  to any of the  Pledged  Securities,  such sum shall be paid over to the
Secured  Party,  to be  held  by the  Secured  Party  as  substitute  collateral
hereunder.  In case any  shares of stock or  fractions  thereof  shall be issued
pursuant to any stock split  involving  any of the  Pledged  Securities,  or any
distribution of capital shall be made on any of the Pledged  Securities,  or any
shares,  obligations or other property shall be distributed upon or with respect
to the Pledged Securities  pursuant to a recapitalization or reclassification of
the capital of the issuer thereof,  or pursuant to the dissolution,  liquidation
(in whole or in part),  bankruptcy or  reorganization  of such issuer, or to the
merger or  consolidation  of such issuer with or into another  corporation,  the
shares,  obligations or other property so distributed  shall be delivered to the
Secured Party, to be held by it as additional collateral  hereunder,  and all of
the same (other than cash) shall constitute  Pledged Securities for all purposes
hereof.

      6. So long as there shall exist an Event of Default or a condition,  event
or act  which  constitutes,  or with  notice  or lapse of time,  or both,  would
constitute, an Event of Default, the Secured Party shall be entitled to exercise
all voting  power with  respect to the  Pledged  Securities  and to receive  and
retain, as additional  collateral  hereunder,  any and all dividends at any time
and from time to time declared or paid upon any of the Pledged Securities.

      7. If an Event of Default shall occur,  the Escrow Agent shall deliver the
Pledged Securities to the Secured Party forthwith and the Secured Party, without
obligation  to resort to other  security,  shall  have the right at any time and
from time to time to sell, resell, assign and deliver, in its discretion, all or
any of the Pledged  Securities,  in one or more parcels at the same or different
times, and all right, title and interest,  claim and demand therein and right of
redemption  thereof,  on any securities  exchange or broker's board on which the
Pledged  Securities or any of them may be listed, or broker's board or at public
or private sale, for cash or for future delivery.

      8. The  Secured  Party  shall give the  Pledgor at least  thirty (30) days
prior  notice of the time and  place of any  public  sale and of the time  after
which any private  sale or other  disposition  is to be made,  which  notice the
Pledgor agrees is  reasonable,  all other  demands,  advertisements  and notices
being hereby  waived.  The Secured Party shall not be obligated to make any sale
of Pledged Securities if it shall determine not to do so, regardless of the fact
that notice of sale may have been given.  The Secured Party may,  without notice
or publication, adjourn any public or private announcement at the time and place
fixed for sale, and such sale may,  without further notice,  be made at the time
and place to which the same was so adjourned.  Upon each private sale of Pledged
Securities of a type  customarily  sold in a  recognizable  market and upon each
public  sale,  the  Secured  Party or any  other  obligee  with  respect  to the
Obligations may purchase all or any of the Pledged  Securities  being sold, free
from any equity or right of redemption, which is hereby waived and released, and
may make payment  therefor (by endorsement  without  recourse in the case of all
sales of Pledged Securities,  public or private, the Pledgor shall pay all costs
and expense of every kind for sale or delivery, including brokers and reasonable
attorneys'  fees, and after  deducting such costs and expenses from the proceeds
of sale,  the  Secured  Party  shall  apply any  residue  to the  payment of the
Obligations and Pledgor shall be liable for any deficiency. The balance, if any,
remaining after payment in full of all of the Obligations,  shall be paid to the
Pledgor,  subject to any duty of the Secured  Party imposed by law to the holder
of any  subordinate  security  interest in the Pledged  Securities  known to the
Secured Party.

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      9. The remedies provided herein in favor of the Secured Party shall not be
deemed exclusive, but shall be cumulative, and shall be in addition to all other
remedies  in favor of the  Secured  Party  existing  at law  (whether  under the
Uniform  Commercial Code or otherwise) or in equity or under any other agreement
or instrument.

      10. If an Event of Default has  occurred  and is  continuing,  the Secured
Party shall have the right, for and in the name, place and stead of the Pledgor,
to execute  endorsements,  assignments  or other  instruments  of  conveyance or
transfer with respect to all or any of the Pledged Securities.

      11. The Escrow Agent shall have no duty as to the collection or protection
of the Pledged Securities or any income thereon or as to the preservation of any
rights pertaining  thereto  (including  without  limitation rights against third
parties), beyond the safe custody of any thereof actually in its possession.

      12. Upon the happening of an Event of Default, the Pledgor hereby appoints
the Secured Party as the Pledgor's  attorney-in-fact for the purpose of carrying
out the  provisions  of this  Agreement  and taking any action and executing any
instrument which the Secured Party may deem necessary or advisable to accomplish
the purposes  hereof.  Without  limiting the  generality of the  foregoing,  the
Secured Party shall have the right and power to receive, endorse and collect all
checks and other  orders for the  payment of money made  payable to the  Pledgor
representing any interest or dividend or other  distribution  payable in respect
of the Pledged Securities or any part thereof and to give full discharge for the
same.

      13. No delay on the part of the Secured Party or of any other obligee with
respect to the  Obligations in exercising any of its options,  owners or rights,
or partial or single exercise thereof, shall constitute a waiver thereof.

      14. Upon payment in full or  satisfaction  of all  Obligations the Pledgor
shall be  entitled  to the return of all of the  Pledged  Securities  and of all
other  property and cash which have not been used or applied  toward the payment
of such Obligations and this Pledge and Security Agreement shall be released and
discharged.  The  assignment by the Secured Party to the Pledgor of such Pledged
Securities and other property shall be without representation or warranty of any
nature  whatsoever and wholly without recourse.  Notwithstanding  the foregoing,
the  Secured  Party  shall  have the  right  to  continue  to hold  the  Pledged
Securities as security for any Obligations arising by reason of the avoidance of
any  prior  payment  of  Obligations  by reason  of any  fraudulent  conveyance,
preference or similar provision of applicable law during any period during which
any such payment may be subject to avoidance as  aforesaid,  and this  Agreement
shall remain in full force and effect during such period.

                                       4
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      15. Any  notice or demand  upon the  Pledgor  shall be deemed to have been
sufficiently  given for all  purposes  thereof if mailed,  postage  prepaid,  by
registered or certified mail, return receipt requested, or if hand delivered, to
the  Pledgor at the address  specified  above,  or at such other  address as the
Pledgor may  theretofore  have designated in writing and given in like manner to
the Secured Party.

      16. This Agreement shall be immediately  effective as an instrument  under
seal. The rights and obligations of the Secured Party and the Pledgor  hereunder
shall be construed in  accordance  with and governed by the laws of the State of
California applicable to contracts executed and to be performed therein,  cannot
be changed orally and shall bind and inure to the benefit of the Pledgor and the
Secured  Party and  their  respective  successors,  heirs,  representatives  and
assigns (including,  without limitation, all subsequent obligees with respect to
the Obligations).  Whenever the context so requires,  the neuter gender includes
the  masculine or feminine,  and the singular  number  includes the plural,  and
vice-versa.

      17. This Agreement may be executed in any number of counterparts,  each of
which  shall be  deemed  an  original  and all of  which  taken  together  shall
constitute but one and the same instrument.

      18. The  Pledgor  will do all such acts,  and will  furnish to the Secured
Party all such  financing  statements,  certificates,  legal  opinions and other
documents and will obtain all such governmental consents and corporate approvals
and will do or cause to be done all such other  things as the Secured  Party may
reasonably  request  from  time to time in order  to give  full  effect  to this
Agreement and to secure the rights of the Secured Party hereunder.

      19. Each party  irrevocably  submits to the  jurisdiction  of any state or
federal court sitting in the State of California,  over any action or proceeding
arising out of or relating to this  Agreement  and agrees that all claims in any
such action or proceeding may be heard and determined in any such court.

      20. The Pledgor  represents and warrants to the Secured Party that (i) the
execution and delivery of this Agreement and pledging of the Pledged  Securities
do not require any consents or approvals by any person or contravene  any law or
any  rule or  regulation  thereunder  or any  judgment,  decree  or order of any
tribunal or of any agreement or instrument to which the Pledgor is a party or by
which  Pledgor or any of  Pledgor's  property is bound or  constitute  a default
thereunder  and (ii) this  Agreement  constitutes  the legal,  valid and binding
obligation of the Pledgor,  enforceable  against  Pledgor in accordance with its
terms.

      21. (a) The Escrow Agent shall not be responsible  for the  genuineness of
any  certificate  or  signature  and may rely  conclusively  upon  and  shall be
protected when acting upon any notice, affidavit, request, consent, instruction,
check, or other  instrument  believed by it in good faith to be genuine or to be
signed or  presented by the proper  person,  duly  authorized.  The Escrow Agent
shall have no  responsibility  except for the  performance of its express duties
hereunder and no additional duties shall be inferred herefrom or implied hereby.
The Escrow Agent shall not be  responsible  or liable for any act or omission on
its part in performing  its duties as Escrow Agent under this  agreement  unless
such act or omission constitutes bad faith, gross negligence, or fraud.

                                       5
<PAGE>

      (b) The Escrow  Agent shall not be required to institute or defend any act
involving  any matter  referred  to herein or which  affects it or its duties or
liabilities  hereunder  unless  required to do so by any party to this Agreement
and then only upon receiving full  indemnity,  in character  satisfactory to the
Escrow Agent, against all claims, liabilities, and expenses in relation thereto.
In the event of any dispute  among the parties  with respect to the Escrow Agent
or its duties, (i) the Escrow Agent may act or refrain from acting in respect of
any matter  referred to herein in full  reliance upon and by and with the advice
of its counsel and shall be fully  protected in so acting or in refraining  from
acting  upon the advice of such  counsel,  or (ii) the Escrow  Agent may refrain
from  acting  until  required  to do so by an  order  of a  Court  of  competent
jurisdiction.

      IN WITNESS  WHEREOF,  the Pledgor  and the Secured  Party have caused this
Agreement to be duly  executed and  delivered as of the day and year first above
written.

Pledgor:

/s/ Joseph Lyle Putegnat III
----------------------------
Joseph Lyle Putegnat III

Secured Party:
AICI, Inc.

By:  /s/ Russell Ingledew
     --------------------------------------
         Russell Ingledew, CFO

Escrow Agent:
Richard A. Weintraub PC

By:  /s/ Richard A. Weintraub
     --------------------------------------
         Richard A. Weintraub, Esq.

                                       6
<PAGE>

SCHEDULE A

Certificate No.            Owner                                Number of Shares
    TBD                    Joseph Lyle Putegnat III                 120,000

<PAGE>

                                   SCHEDULE B

                                  Stock Powers

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