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EXHIBIT 10 (d)

                                 ADDENDUM NO. 13

                      REVOLVING LOAN AND SECURITY AGREEMENT

                  CONVERTIBLE REVOLVING CREDIT PROMISSORY NOTE

                             DATED OCTOBER 26, 1987

     For consideration given and received, Robert Howard and Howtek, Inc. hereby
agree to extend  the  repayment  date in  Paragraph  D of the  above  referenced
Convertible  Revolving  Credit  Promissory  Note, as amended,  (the "Note") from
January 4, 2000 to January 4, 2001.  Also the Note  hereafter  will be a maximum
principal sum of Three Million Dollars ($3,000,000).

     Effective the 30th day of December 1999.

HOWTEK, INC.

By:  /s/  W. Scott Parr                    /s/  Robert Howard
    -----------------------------         -------------------------------
Title:  President, CEO                    Robert Howard

                                       60EXHIBIT 10(g)

         THE SECURITIES  REPRESENTED  HEREBY HAVE NOT BEEN REGISTERED  UNDER THE
         SECURITIES ACT OF 1933, AS AMENDED (THE "ACT"),  OR THE SECURITIES LAWS
         OF ANY  STATE,  AND  MAY  NOT BE  SOLD,  OFFERED  FOR  SALE,  ASSIGNED,
         TRANSFERRED OR OTHERWISE DISPOSED OF UNLESS REGISTERED  PURSUANT TO THE
         PROVISIONS  OF THE ACT AND ANY  APPLICABLE  STATE  SECURITIES  LAWS, OR
         UNLESS AN OPINION OF COUNSEL, SATISFACTORY TO HOWTEK, INC., IS OBTAINED
         STATING  THAT  SUCH  DISPOSITION  IS IN  COMPLIANCE  WITH AN  AVAILABLE
         EXEMPTION FROM SUCH REGISTRATION

                           CONVERTIBLE PROMISSORY NOTE

$______________                                   Hudson, New Hampshire

                                                               ________ __, 1999

     FOR VALUE RECEIVED, the undersigned,  HOWTEK, INC., a Delaware corporation,
with its principal  place of business at 21 Park Avenue,  Hudson,  New Hampshire
03051 (the "Borrower"), promises to pay to the order of __________________, with
a residence or principal place of business of  _____________________________  or
his designee (the "Payee"), at such residence or place of business or such other
place as the Payee  shall  hereafter  specify in writing  to the  Borrower,  the
principal sum of  $_____________________,  together  with the  interest,  all as
provided for below.

     Principal and interest hereunder shall be payable as follows:

     (1)  On December 31, 1999 and on December 31 of each succeeding year during
          the term hereof,  the Borrower  shall make payments of interest in the
          amount and in the form specified herein; and

     (2)  On March  31,  2003 and on each  succeeding  June  30,  September  30,
          December 31 and March 31,  through  December  31,  2006,  the Borrower
          shall make equal payments of principal in the amount of $________.

     Interest  shall be  calculated  and charged daily on the basis of a 360 day
banking year on the unpaid principal balance  outstanding from time to time.

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<PAGE>

The interest rate hereunder  shall be a fixed rate equal to seven percent (7.0%)
per annum.

     All cash payments on this Note shall be made in such currency of the United
States of America as shall be legal  tender  for  payment of public and  private
debts. Any payment which shall fall due on a Saturday,  Sunday or public holiday
in the State of New  Hampshire,  shall be made on the next  succeeding  business
day, and in the case of a principal  payment,  interest shall continue to accrue
on the amount of such payment until the same has been made to Payee.

     Notwithstanding anything herein to the contrary,  interest hereunder may be
paid, at the Borrower's option, in either cash or in restricted shares of common
stock,  $.01 par value per share, of the Borrower (the "Common Stock") or in any
combination  thereof.  If any  payment of  interest  is paid in shares of Common
Stock,  the  number of shares of Common  Stock to be issued by  Borrower  to the
Payee shall equal the largest whole number of shares  determined by dividing the
amount of interest then payable to the Payee by the greater of (i) $1.00 or (ii)
the average per share closing price of a share of the Common Stock, (as reported
by, as the case may be, on the principal  exchange on which the shares of Common
Stock are then traded, or, the Nasdaq Stock Market,  Inc. if the Common Stock is
then traded on either Nasdaq or the Over-the Counter Bulletin Board), for the 10
trading days preceding the date on which interest is payable.

     The  Payee  shall  have the right at his  option,  by  delivering  10 days'
written notice to the Borrower at its principal  executive  office together with
this  Note,  to convert  into  shares of  restricted  Common  Stock,  any unpaid
principal  balance  of this Note  together  with  accrued  and  unpaid  interest
thereon.  The  number  of shares  of  Common  Stock to be  issued  upon any such
conversion  shall equal to the largest  whole number  determined by dividing the
total amount of any unpaid  principal  balance hereof and any accrued and unpaid
interest  thereon by $1.00.  The notice  shall  specify  the number of shares of
Common Stock to be acquired,  the principal  amount,  and interest,  if any, (as
calculated  by the  Payee)  and the name or names in which  the  certificate  or
certificates  for  shares  of  Common  Stock  are to be  issued.  The  foregoing
notwithstanding,  no holder of this Note shall be entitled to transfer this Note
by conversion  without first  complying with all applicable  restrictions on the
transfer of this Note. The  conversion  will be deemed to have occurred upon the
date of such delivery and the person entitled to receive share  certificates for
Common Stock shall be regarded for all  corporate  purposes  from and after such
date as the record  holder of the number of shares to which it is entitled  upon
the conversion.  The Borrower may rely on record  ownership of this Note for all
corporate purposes, notwithstanding any contrary notice.

     The Borrower  may, in the event of either (i) the average per share closing

                                       62
<PAGE>

price of the Common  Stock for any 10 day trading  period  equaling or exceeding
$2.50, or (ii) any merger or  consolidation of Borrower or sale of substantially
all of the  Borrower's  assets  or other  corporate  transaction  requiring  the
approval  of  Borrower's  shareholders,  by  delivering,  within 10 days of such
event, 10 days' written notice to the holder hereof, require the Payee hereof to
accept the transfer to the Payee in full  satisfaction  of any unpaid  principal
balance of this Note or accrued  and unpaid  interest  thereon,  that  number of
shares of Common Stock equal to the largest whole number  determined by dividing
the total of any unpaid  principal  balance  hereof and any  accrued  and unpaid
interest  thereon by the average per share closing price of the shares of Common
Stock for the 10 trading days preceding the date of such notice.

     The Borrower may at any time, without penalty, upon 20 days' written notice
to the Payee,  prepay the unpaid  principal  balance  and any accrued but unpaid
interest  hereof,  subject to the Payee's  rights as set forth herein to require
the Borrower to transfer to the Payee,  or his designee,  shares of Common Stock
in full satisfaction of the unpaid balance and unpaid interest thereon.

     Notwithstanding anything herein to the contrary, any stock split, dividend,
or similar division of shares of Common Stock or combination or reverse split of
the  Common  Stock,  or if  shares of Common  Stock  changed  into the same or a
different  number  of type of  securities  whether  by  capital  reorganization,
reclassification  or otherwise,  then the number of shares of Common Stock to be
issued upon  conversion  of this Note or in lieu of the cash payment of interest
due on this Note as provided above,  shall be equitably adjusted by the Borrower
to a new number of shares of Common Stock,  proportionately reduced in the event
of a combination  or reverse split or increased in the event of a stock split or
subdivision,  or other securities to preserve the rights of the Borrower and the
Payee.

     Upon the failure of the Borrower to pay  principal or interest  when due in
accordance  with the terms hereof,  which failure is not cured within 90 days of
written  notice  thereof from the Payee,  at the option of the Payee,  this Note
shall become  immediately  due and payable in full,  without  further  demand or
notice.  The entire principal  balance hereof,  together with accrued  interest,
shall after maturity, whether by acceleration or otherwise, bear interest at the
contract rate of this Note.

     The Borrower agrees to pay on demand all reasonable  out-of-pocket costs of
collection hereunder, including reasonable attorneys' fees.

     No waiver of any right,  privilege or remedy or any  amendment to this Note
shall be  effective  unless made in writing and signed by the  Borrower  and the
Payee.  The  acceptance  by the Payee of any payment after any default shall not
operate  to extend  the time of payment  of any  amount  then  remaining  unpaid
hereunder  or  constitute  a waiver of any  rights of the Payee  hereunder.

                                       63
<PAGE>

All rights and remedies of the Payee, whether granted herein or otherwise, shall
be cumulative and may be exercised singularly or concurrently.

     The  Borrower  hereby  waives,  to the  fullest  extent  permitted  by law,
presentment,   notice,  protest  and  all  other  demands  and  notices  of  any
description  and  assents to any  extension  of the time of payment or any other
indulgence.

     This Note may not be  modified  except by a writing  duly  executed  by the
Borrower and the Payee.

     This Note and the  obligations  of the Borrower and the rights of the Payee
shall be governed by and construed in  accordance  with the laws of the State of
New Hampshire without giving effect to the choice of laws provisions.

     IN WITNESS WHEREOF, the Borrower, acting by and through its duly authorized
officer, has executed this Note on the day and year first hereinbefore stated.

                                          HOWTEK, INC. (the "Borrower")

                                          By: /s/ W. Scott Parr
                                             ----------------------------------
                                          President, Chief Executive Officer

                                       64

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