Document:

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EXHIBIT 10.21

                                UNITEDTRUST BANK
                              COMMERCIAL LOAN NOTE

                                      Amount:               $1,500,000.00

                                      Dated:              September 30, 2002

FOR VALUE RECEIVED, the undersigned (together the "Borrower") promises to pay
UNITEDTRUST BANK (the "Lender"), at its office located at- 1130 Route 22 East,
P.O. Box 6000, Bridgewater, New Jersey 08807, or at such other place as the
Lender may direct, ONE MILLION FIVE HUNDRED THOUSAND AND 00/100 DOLLARS
($1,500,000.00), together with interest, as follows:

1. COMMERCIAL LOAN. This Note evidences a commercial loan in the amount of
$1,500,000.00 (the "Loan") made by the Lender to the Borrower pursuant to the
terms of a Loan Agreement of even date (the "Loan Agreement") . This Note
replaces and is a successor to the promissory note dated June 30, 2002 in the
principal amount of $1,500,000.00 and the promissory note dated November 1, 2001
in the principal amount of $1,500,000.00.

2. INTEREST RATE. The Borrower shall pay the Lender interest on the unpaid
principal balance of the Loan from the date of this Note at a floating rate
equal to the "Prime Rate". For purposes of this Note, "Prime Rate" shall mean
the highest New York City Prime Rate as published in the Wall Street Journal
from time to time, rounded up to the nearest 0.125 percent. The Prime Rate is
only a reference point for determining lending rates and is not necessarily the
lowest rate available to the Lender's customers. If the Prime Rate ceases to be
published by the Wall Street Journal the Lender will choose a comparable index.
The rate payable shall change on the date of any change in the Prime Rate. At no
time, however, shall the interest rate exceed the maximum allowance by law. All
computations of interest shall be made on the basis of a three hundred sixty
(360) day year and the actual number of days elapsed.

3. TERM. This Note matures and is payable in full on January 1, 2006 (the
"Maturity Date").

4. PAYMENTS. The Borrower shall pay principal and interest by making payments as
follows (which payments, unless indicated otherwise, shall be applied first to
fees, then to accrued interest and finally to unpaid principal):

The Borrower shall pay accrued interest only, on the first day of each
succeeding month commencing November 1, 2002 until the Maturity Date, when the
entire unpaid amount of fees, interest and principal shall become due.
Commencing February 1, 2003, and on the first: day of each succeeding month
thereafter through and including December 1, 2005, in addition to payments of
interest, the Borrower shall make 35 monthly payments of principal in the amount
of $41,666.67. On the Maturity Date, the Borrower shall pay a final principal
payment in the amount of $41,666.55, together with accrued interest.

The Borrower authorizes and directs the Lender to automatically deduct such
payments from its account number 65-104-230-0 maintained at the Lender. If the
funds in such account are insufficient to cover any payment the Lender shall not
be obligated to advance funds to cover the payment.

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5.     PREPAYMENTS.

Prepayment will be permitted in whole or in part at any time upon prior written
notice to the Lender without fee or penalty. In addition to any prepaid amount,
the Borrower shall also pay to the Lender any accrued and unpaid interest and
all other sums due under the terms of this Note at the time of such prepayment.
All prepayments shall be applied first to unpaid fees, then unpaid interest and
then to principal.

6. LATE FEE. If the Lender does not receive the entire amount of any payment
required under this Note within 10 days of its due date, the Borrower shall pay
a late fee of 5% of that entire amount.

7. COLLATERAL AND GUARANTY. Repayment of this Note is secured by a Security
Agreement from each Borrower granting the Lender a continuing first lien
security interest in all of the assets of each Borrower. Repayment of this Note
is unconditionally guaranteed pursuant to a Guaranty of Payment (the "Guaranty")
executed by Christopher J. Carey (the "Guarantor") . The Guarantor has also
executed a Subordination Agreement (the "Subordination Agreement") in favor of
the Lender subordinating all existing and future indebtedness of the Guarantor
to either Borrower to the Loan. Any security interests in any other collateral
given to the Lender by any Borrower or Guarantor in connection with any other
obligation to the Lender shall also secure repayment of this Note.

8. DEFAULT. The Borrower shall be in default under this Note upon the occurrence
of any of the following events (each, an "Event of Default"):

(a) Failure to make any payment under this Note when due; or

(b) Any default under the terms of the Loan Agreement, this Note, the Guaranty,
the Subordination Agreement or any other loan or collateral document executed in
connection therewith or required thereby (collectively, the "Loan Documents") or
an Event of Default as defined ~n any of the Loan Documents shall occur.

Upon the happening of an Event of Default, the entire amount of interest,
principal, and any other sums due under this Note shall become due and payable
immediately and interest shall accrue thereafter at a rate of interest equal to
5% per annum in excess of the rate of interest (as that rate may change from
time to time) which would have been payable on this Note if default had not
occurred. The Borrower acknowledges that: (i) such additional rate is a material
inducement to the Lender to make the Loan; (ii) the Lender would not have made
the Loan in the absence of the agreement of the Borrower to pay such additional
rate; (iii) such additional rate represents compensation for increased risk to
the Lender that the Loan will not be repaid; and (iv) such rate is not a penalty
and represents a reasonable estimate of (a) the cost to the Lender in allocating
its resources (both personnel and financial) to the ongoing review, monitoring,
administration and collection of the Loan and (b) compensation to the Lender for
losses that are difficult to ascertain.

The Lender does not give up its rights upon an Event of Default as a result cf
any delay or any previous delay in declaring or failing to declare an Event of
Default.

9. SET-OFF. If any amount owing under this Note is not paid when it becomes due,
the Lender may set off all property held by it, and funds from any account
maintained with it, belonging to any Borrower or any other maker, endorser or
Guarantor.

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10. WAIVERS. The Lender is not required to do any of the following before
enforcing its rights under this Note:

(a) Demand payment of amounts due;

(b) Give notice that amounts due have not been paid; or

(c) Obtain an official certificate of non-payment.

11. NOTE BINDING ON EACH BORROWER AND SUCCESSORS. All obligations under this
Note are the joint and several unconditional obligations of each Borrower and
all who succeed to their rights and interests. Release of any Borrower,
Collateral or Guarantor shall not release any other Borrower, Collateral or
Guarantor.

12. CHANGES. This Note can only be changed by an agreement in writing signed by
the Borrower and the Lender.

13. GOVERNING LAW. This Note shall be construed according to the laws of the
State of New Jersey and the Borrower consents to the jurisdiction of the courts
of the State of New Jersey to determine any questions of fact or law arising
under this Note.

14. PAYMENT OF FEES AND EXPENSES. Borrower shall pay on demand all expenses of
Lender in connection with the default, collection, waiver or amendment of Loan
terms, or in connection with Lender's exercise, preservation or enforcement of
any of its rights, remedies or options hereunder, including, without limitation,
fees of legal counsel, accounting, consulting, brokerage or other similar
professional fees or expenses, and any fees or expenses associated with travel
or other costs relating to any appraisals or examinations conducted in
connection with the Loan or any collateral therefor, and the amount of all such
expenses shall, until paid, bear interest at the rate applicable to principal
hereunder (including any default rate) and be an obligation secured by any
Collateral.

15. WAIVER OF TRIAL BY JURY. BORROWER AND LENDER (BY ACCEPTANCE OF THIS NOTE)
MUTUALLY HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE THE RIGHT TO A
TRIAL BY JURY IN RESPECT OF ANY CLAIM BASED HEREON, ARISING OUT OF, UNDER OR IN
CONNECTION WITH THIS NOTE OR ANY OTHER LOAN DOCUMENTS CONTEMPLATED TO BE
EXECUTED IN CONNECTION HEREWITH OR ANY COURSE OF CONDUCT, COURSE OF DEALINGS,
STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF ANY PARTY, INCLUDING,
WITHOUT LIMITATION ANY COURSE OF CONDUCT, COURSE OF DEALINGS, STATEMENTS OR
ACTIONS OF LENDER RELATING TO THE ADMINISTRATION OF THE LOAN OR ENFORCEMENT OF
THE LOAN DOCUMENTS, AND AGREE THAT NEITHER PARTY WILL SEEK TO CONSOLIDATE ANY
SUCH ACTION WITH ANY OTHER ACTION IN WHICH A JURY TRIAL CANNOT BE OR HAS NOT
BEEN WAIVED. EXCEPT AS PROHIBITED BY LAWf BORROWER HEREBY WAIVES ANY RIGHT IT
MAY HAVE TO CLAIM OR RECOVER IN ANY LITIGATION ANY SPECIAL, EXEMPLARY, PUNITIVE
OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES OTHER THAN, OR IN ADDITION TO, ACTUAL
DAMAGES. BORROWER CERTIFIES THAT NO REPRESENTATIVE, AGENT OR ATTORNEY OF LENDER
HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT LENDER WOULD NOT, IN THE EVENT OF
LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER. THIS WAIVER CONSTITUTES A
MATERIAL INDUCEMENT FOR LENDER TO ACCEPT THIS NOTE AND MAKE THE LOAN.

16. REPLACEMENT OF NOTE. Upon receipt of an affidavit of an officer of Lender or
Borrower as to the loss, theft, destruction or mutilation of this Note or any
other Loan Document which is not of public record, and, in the case of any such
loss, theft, destruction or mutilation, upon cancellation of such Note or other
Loan Document, Borrower or Lender, as the case may be, will issue, in lieu
thereof, a replacement note or other Loan Document in the same principal amount
thereof and otherwise of like tenor.

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<PAGE><PAGE>
EXHIBIT 10.22

                               SECURITY AGREEMENT

SECURITY   AGREEMENT  made  as  of  September  30,  2002,   between   STRONGHOLD
TECHNOLOGIES,  INC. , a Nevada  Corporation  (the "Debtor") , with its principal
office at 777 Terrace Avenue,  Hasbrouck Heights,  NJ 07604 and UNITEDTRUST BANK
(the "Bank"),  with an office at 1130 Route 22 East, P.O.Box 6000,  Bridgewater,
NJ.

1. Grant of Security Interest.  To induce the making and continuation of all the
Debtor's  present and future  liabilities to the Bank under any promissory note,
guaranty or other obligation to the Bank and to secure all of those obligations,
whether direct or indirect, absolute or contingent,  joint or several, presently
existing or hereafter  incurred (the  "Obligations") the Debtor hereby grants to
the Bank a continuing first lien security interest in all of the Debtor's right,
title and interest in and to the following described property (together with all
accessions  and additions  thereto,  substitutions  therefore,  and proceeds and
products thereof, being called the "Collateral"):

(a) all machinery, furniture, fixtures, equipment and other personal property of
the Debtor, now existing and hereafter acquired;

(b) all work in process,  goods,  materials  and  inventory  of the Debtor,  now
existing and hereafter acquired;

(c) all  accounts,  claims for monies due and other  accounts  receivable of the
Debtor, now existing and hereafter arising;

(d) all general intangibles,  copyrights,  trademarks,  patents,  licenses,  and
franchises of the Debtor, now existing and hereafter arising;

(e)  all  documents,  instruments,   investment  property,  chattel  paper,  and
promissory notes of the Debtor, now existing and hereafter acquired; and

(f) all other  tangible and  intangible  property and assets of the Debtor,  now
existing and hereafter acquired.

All  terms  in this  paragraph  1 shall  include,  but not be  limited  to,  any
definitions  thereof contained in the New Jersey Uniform Commercial Code, as the
same may be amended, from time to time.

2. Nature of Use. The Debtor represents and warrants that:

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(a) it is the owner of the Collateral  and has title thereto,  free and clear of
all security interests, liens and encumbrances;

(b) the Collateral is used or bought for use primarily in business;

(c) if the Collateral is being acquired with the proceeds of a loan, the Bank is
authorized  to disburse the  proceeds of the loan  directly to the seller of the
Collateral; and

(d) if the Collateral consists of goods which are or are to become fixtures, the
description  of the real  property to which the goods are  attached or are to be
attached, and the name of the owner of such real property (if different from the
Debtor), are as follows: None.

3.  Location  of  Collateral.  The Debtor  represents  that the place  where the
Collateral  will  be  kept is the  same  place  as  stated  at the  head of this
agreement or the  Borrower's  offices in  Virginia,  located at 46040 Center Oak
Plaza, Suite 160, Sterling, VA 20166.. The Debtor will notify the Bank promptly,
of any change in such location(s).

4. Covenants. So long as any of the Obligations remain unpaid, the Debtor agrees
to:

(a)  keep  the  Collateral  free  from  all  security   interests,   liens,  and
encumbrances other than those granted to the Bank;

(b) keep the Collateral insured, at its own cost and expense, naming the Bank as
an insured,  under a lender's loss payable  endorsement  (or in any other manner
designated  by the Bank) , in such  amounts,  with  such  insurers,  under  such
endorsements,  and against such risks as may be acceptable to the Bank,  and, on
request, to deliver the policies evidencing such insurance to the Bank;

(c)  execute all  documents  requested  by the Bank to perfect or  preserve  the
Bank's  security  interest in the Collateral (and authorizes the Bank to execute
any such  documents  as its  attorney-in-fact)  and pay the cost of filing  such
documents;

(d) maintain such records and information with respect to the Collateral and its
financial condition and operations, as the Bank may, from time to time, require,
and allow the Bank to inspect such records and  information and supply copies of
such records and information to the Bank; and

                                        2

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(e)  immediately  inform  the Bank of any  change  in its  name,  ownership,  or
business structure.

If the Debtor fails to keep the Collateral  insured as provided  herein or fails
to pay any tax upon or other charge or claim  against the  Collateral,  the Bank
may,  in  addition to any other  remedy it may have  (under  this  agreement  or
otherwise)  pay the cost of such  insurance  or the  amount of such  tax,  other
charge or claim,  and the amount so paid,  together with interest at the highest
rate of interest then allowable on the Obligations secured hereby, shall be paid
to the Bank by the Debtor upon demand,  and, until so paid, shall be a liability
of the Debtor secured by this Agreement.

5. Default. If:

(a) the Debtor or other  obligor  of any  Obligation  secured by this  agreement
defaults in the payment of any  Obligation  or other  liability  now existing or
hereafter arising, to the Bank or any third party;

(b) a default shall occur under the terms of any note, guaranty,  loan agreement
or any other document which evidences or secures any Obligation  secured by this
agreement;

(c) a petition in  bankruptcy is filed by or against the Debtor or other obligor
of any Obligation secured by this agreement;

(d) a receiver is appointed for the Debtor;

(e) the Debtor makes an assignment for the benefit of creditors;

(f) the Debtor becomes a party to any proceeding for an adjustment,  settlement,
arrangement, extension or composition of, or other relief from, its debts;

(g) there is a breach of any  representation,  warranty,  covenant or  agreement
made herein by the Debtor;

(h) the  Debtor  has  misrepresented  any  material  fact  herein or has made or
hereafter makes such  misrepresentation  in any statement to the Bank, or in any
writing supplemental or ancillary hereto; or

(i) any event  occurs  which,  in the Bank's  absolute  discretion,  impairs the
financial  responsibility  or  condition  of  the  Debtor  or the  value  of the
Collateral or the Bank's security interest therein;

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<PAGE>

then,  in any such event  (each,  an "Event of  Default"),  the Bank may, at its
option,  declare all Obligations secured hereby immediately due and payable, and
the Bank may require the Debtor to assemble the Collateral and make it available
to the  Bank at a place  which  is  reasonably  convenient  to the  Bank and the
Debtor. In addition,  the Bank shall have, and may exercise,  all the rights and
remedies conferred upon secured parties by the Uniform Commercial Code and other
applicable  laws.  The Debtor hereby  irrevocable  appoints the Bank as Debtor's
attorney-in-fact,  with full  authority  in the place and stead of Debtor and in
the name of Debtor or otherwise,  upon the occurrence of an Event of Default, to
take any action and to execute any  instrument  that the Bank may deem necessary
or advisable to accomplish the purposes of this  Agreement,  including,  without
limitation:  (a) to assign,  pledge,  convey or otherwise  transfer  title in or
dispose of the  Collateral to any third person,  and (b) to file any claims,  to
take any action or institute any  proceedings  which the Bank may deem necessary
or  desirable  to  enforce  the  rights of the Bank with  respect  to any of the
Collateral.

6.  Notification  of  Obligors.  At any time,  prior to or after  default by the
Debtor,  the  Bank may  notify  the  obligors  on any of the  Collateral  of the
existence of its security  interest and direct them to make payments directly to
the Bank. The Debtor,  at the request of the Bank,  shall also take such actions
and hold any sums received from such obligors in trust for the Bank.  Until such
time as the Bank elects to exercise such rights,  the Debtor is  authorized,  as
agent of the Bank, to collect and enforce those obligations.

7. Duties with respect to Collateral. The Bank shall have no duty to:

(a)  collect,  preserve,  protect,  insure  or care  for the  Collateral  or any
proceeds thereof;

(b) preserve rights of the Debtor or others;

(c) realize on the Collateral or any proceeds; or

(d) marshal the assets of the Debtor.

8. Costs of Enforcement.  The Bank's  reasonable  expenses of realizing upon the
Collateral,  including  attorneys'  fees,  shall  be  paid  by the  Debtor.  Any
notification  of a sale or  other  disposition  of the  Collateral  (or of other
action by the Bank)  required  to be given by the Bank,  will be  sufficient  if
given  personally or mailed by certified mail, not less than five (5) days prior
to the day on which  such  sale or  other  disposition  will be  made,  and such
notification shall be deemed reasonable notice.

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9.  Miscellaneous.  The waiver by the Bank of any  default  hereunder  or of any
provision  hereof shall not  discharge the Debtor from  liability  hereunder and
such  waiver  shall be  limited  to the  particular  event of  default or to the
particular provision and shall not operate as a waiver of any subsequent default
or of any other provision.

If there is more than one person or entity  executing  this agreement as Debtor,
their obligations hereunder shall be joint and several.

This  agreement  and the rights of the parties  hereto  shall be governed by the
laws of the  State of New  Jersey  and  shall be  binding  upon and inure to the
benefit  of the  Bank,  the  Debtor,  and  their  respective  heirs,  executors,
administrators,  successors and assigns.

IN WITNESS  WHEREOF,  the undersigned  have caused this agreement to be executed
the day and year first above written.

Attest:                                 Stronghold Technologies, Inc.,
                                        a Nevada corporation

/s/ Karen Jackson                       By: /s/ Christopher J. Carey
---------------------------------           -----------------------------------
Karen Jackson, Asst. Secretary              Christopher J. Carey, President

Witness:                                UnitedTrust Bank

/s/ James R. Ottobre                    By: /s/ Robert L. Birkhahn
---------------------------------           -----------------------------------
James R. Ottobre, Esq.                      Robert L Birkhahn, Vice President

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