Document:

<PAGE>   1
                                                                    EXHIBIT 10.6

THIS FINDER'S FEE AGREEMENT is made as of the 27th day of December, 1999

BETWEEN:

          SPATIALIZER AUDIO LABORATORIES, INC.
          20700 Ventura Boulevard, Suite 140
          Woodland Hills, CA 91364

          (the "Company")

                                                               OF THE FIRST PART

AND:

          BRISTOL CAPITAL, L.L.C.
          11777 San Vicente Blvd., Suite 702
          Los Angeles, California 90049

          (the "Finder")

                                                              OF THE SECOND PART

WHEREAS:

A.   The Company has entered into a subscription agreement with Bank Insinger de
Beaufort ("Insinger") of The Netherland, in connection with a non-brokered
private placement of Two Hundred and Fifty Thousand United States Dollars
($250,000) worth of common stock of the Company priced pursuant to the Common
Stock Subscription Agreement ("Subscription Agreement") between Insinger and
the Company dated December 29, 1999 and warrants to purchase 500,000 shares of
common stock of the Company (the "Private Placement");

B.   The Finder introduced the Company to Insinger and assisted the Company in
the conclusion of the Private Placement;

C.   The Company wishes to reward the Finder for its services in the manner as
hereinafter set out;

     NOW THEREFORE THIS AGREEMENT WITNESSETH that in consideration of the
mutual covenants, promises, conditions, warranties and representations
hereinafter set forth, the parties hereto agree as follows:

1.   The Finder hereby represents and warrants that:

     a)   it is at arm's length with the Company;

     b)   has acted in good faith at all times in connection with the
          introduction of the Company to Insinger and its assistance in the
          conclusion of the Private Placement;

     c)   it has not advertised the Private Placement to the general public; and

<PAGE>   2

                                      -2-

          d)   the execution and delivery of this Agreement and the
               consideration provided for herein will not violate or result in
               the breach of the laws of California.

2.        The Company agrees to compensate the Finder by paying to Finder
Twenty-Five Thousand United States Dollars ($25,000) concurrent with Closing
Date (as that term is defined in the Subscription Agreement).

6.        The parties hereto and each of them covenant and agree that each of
them shall and will upon reasonable request by the other party, make, do,
execute or cause to be made, done or executed all such further and other lawful
acts, deeds, things, devices and assurances whatsoever for the better or more
perfect and absolute performance of the terms and conditions of this Agreement.

7.        Neither finder nor its representatives are presently registered as a
broker or dealer under the Securities Exchange Act of 1934, as amended. As a
result, Finder is prohibited from participating in any activities or services
that would result in Finder effecting transactions in securities for the account
of others. However, Finder may act as a "finder" of potential investors that may
be suitable to the needs of Client.

Finder is in the business of providing strategic financial advice for corporate
issuers. Finder does not provide investment advice or financial planning
services. In that regard, Finder is not yet registered as an investment adviser
under the Investment Adviser's Act of 1940, as amended, and cannot therefore
provide any advice regarding the desirability or value of purchasing, selling,
transacting in, investing in, or holding any security. Rather, Finder's services
will be limited to general strategic and financial consulting services
(unrelated to the value of securities and/or the desirability of transacting in
securities), including advising Client as to the structuring of its financing.

8.        This Agreement shall enure to the benefit of and be binding upon the
parties hereto and their respective heirs, administrators, successors and
assigns.

9.        This Agreement constitutes the entire agreement between Finder and the
Company with respect to the subject matter hereof. This Agreement may be amended
only by a writing executed by all parties.

                        [space left intentionally blank]
<PAGE>   3

                                      -3-

10.       This Agreement will be governed by and construed according to the laws
of California, excluding any choice of law rules that would render California
laws inapplicable. The parties agree that in any action for the enforcement of
the terms of this Agreement, the prevailing party shall be entitled to
reimbursement of reasonable attorney fees from the non-prevailing party.

11.       Except as otherwise stated herein, in lieu of the original, a
facsimile transmission or copy of the original shall be as effective and
enforceable as the original. This Agreement may be executed in counterparts
which shall be considered an original document and which together shall be
considered a complete document.

IN WITNESS WHEREOF the parties hereto have hereunto executed this Agreement as
of and from the day first above written.

                                        SPATIALIZER AUDIO LABORATORIES, INC.

                                        Signature:  /s/ HENRY R. MANDELL
                                                   ----------------------------

                                        Name:

                                        BRISTOL CAPITAL, L.L.C.

                                        Signature: /s/ PAUL KESSLER
                                                  -------------------------
                                                  Paul Kessler<PAGE>   1
NUMBER                          HAWTHORNE                               SHARES

                        HAWTHORNE FINANCIAL CORPORATION

INCORPORATED UNDER THE LAWS                  SEE REVERSE FOR CERTAIN DEFINITIONS
OF THE STATE OF DELAWARE

This Certifies that

is the record holder of

     FULLY PAID AND NONASSESSABLE SHARES OF COMMON STOCK, $.01 PAR VALUE, OF

                        HAWTHORNE FINANCIAL CORPORATION

transferable on the books of the Corporation by the holder hereof in person or
by duly authorized attorney upon surrender of this certificate properly
endorsed. This certificate is not valid until countersigned by the Transfer
Agent and registered by the Registrar.

        WITNESS the facsimile seal of the Corporation and the facsimile
signatures of its duly authorized officers.

  JAMES D. SAGE                                 SCOTT A. BRALY
    SECRETARY                                      PRESIDENT

                                      SEAL

COUNTERSIGNED AND REGISTERED

ChaseMellon Shareholder Services, L.L.C.

                           Transfer Agent
                           and Registrar

                          AUTHORIZED SIGNATURE
<PAGE>   2
     The Corporation shall furnish without charge to each stockholder who so
requests a statement of the powers, designations, preferences and relative,
participating, optional or other special rights of each class of stock of the
Corporation or series thereof and the qualifications, limitations or
restrictions of such preferences and/or rights. Such requests shall be made to
the Corporation's Secretary at the principal office of the Corporation.

     The following abbreviations, which used in the inscription on the face of
this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations.

TEN COM -- as tenants in common
TEN ENT -- as tenants by the entireties
JT TEN  -- as joint tenants with right of
           survivorship and not as tenants
           in common

UNIF GIFT MIN ACT - ................Custodian................
                         (Cust)                  (Minor)
                    under Uniform Gifts to Minors
                    Act......................................
                                     (State)
UNIF TRF MIN ACT  - ................Custodian (until age.....)
                         (Cust)
                    ................. under Uniform Transfers
                         (Minor)
                    to Minors Act ...........................
                                            (State)

    Additional abbreviations may also be used though not in the above list.

FOR VALUE RECEIVED _______________________ hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
    IDENTIFYING NUMBER OF ASSIGNEE
--------------------------------------

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

--------------------------------------------------------------------------------
 (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE)

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

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

------------------------------------------------------------------------- Shares
of the common stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint

----------------------------------------------------------------------- Attorney
to transfer the said stock on the books of the within named Corporation with
full power of substitution in the premises.

Dated
      ---------------------------

                                        X
                                          --------------------------------------

                                        X
                                          --------------------------------------
                                  NOTICE: THE SIGNATURE(S) TO THIS ASSIGNMENT
MUST CORRESPOND WITH THE NAME(S) AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN
EVERY PARTICULAR, WITHOUT ALTERATION(S) ENLARGEMENT OR ANY CHANGE WHATEVER.

Signature(s) Guaranteed

By
  -------------------------------------------------
THE SIGNATURE(S) SHOULD BE GUARANTEED BY AN ELIGIBLE
GUARANTOR INSTITUTION (BANKS, STOCKBROKERS, SAVINGS
AND LOAN ASSOCIATIONS AND CREDIT UNIONS WITH
MEMBERSHIP IN AN APPROVED SIGNATURE GUARANTEE
MEDALLION PROGRAM), PURSUANT TO S.E.C. RULE 17Ad-15.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}]]