Document:

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                                                                    Exhibit 10.1

                                Corporate Banking

                                    Services

                            Advice of Borrowing Terms
                                       for

                            INLITE COMPUTERS LIMITED

                                      From:
                       CRAWLEY COMMERCIAL BUSINESS CENTRE

                                19 February 2002

                                 [NATWEST LOGO]
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                            ADVICE OF BORROWING TERMS

RELATIONSHIP OFFICE: Crawley Commercial Business
                     Centre                               DATE: 19 February 2002

              BORROWER(S)                                 REGISTERED NUMBER:
      Inlite Computers Limited                                 3106266

We intend that the facilities listed in Part 1 of the attached Facility Schedule
(the "on-demand facilities") should remain available to the borrower(s) until 6
June 2002 and all facilities should be reviewed on or before that date. The
facilities are, however, subject to the following:-

-        the terms and conditions below,

-        the specific conditions applicable to an individual facility as
         detailed in the Facility Schedule,

-        the Security detailed in the attached Security Schedule, and

-        the attached General Terms.

ALL AMOUNTS OUTSTANDING ARE REPAYABLE ON DEMAND WHICH MAY BE MADE BY US AT OUR
DISCRETION AT ANY TIME AND THE FACILITIES MAY BE WITHDRAWN, REDUCED, MADE
SUBJECT TO FURTHER CONDITIONS OR OTHERWISE VARIED BY US GIVING NOTICE IN
WRITING.

CONDITIONS:

The following conditions must be satisfied at all times while the facilities are
outstanding, but this will not affect our right to demand repayment at any time:

-        Monthly management accounts to be provided to us within 21 days of the
         end of the month to which they relate

-        Audited accounts to be provided to us within 180 days of the financial
         year-end to which they relate.

-        The overdraft facility is to be used to meet any cash shortfall, which
         cannot be, covered by either the agreed GLE ID line, or the stretching
         of creditors. It is envisaged that usage will be primarily to support
         the company with their requirements to hold stock per agreed SLA's or
         as part of a phased contract.

/s/ Alan Curtis

ALAN CURTIS
MANAGER, COMMERCIAL BANKING
For and on behalf of
National Westminster Bank Plc

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ACCEPTANCE:

To signify your agreement to the terms and conditions outlined above please sign
and return the enclosed copy of this Advice of Borrowing Terms within 10 days.

                               FORM OF ACCEPTANCE

I accept the facility/facilities on the above terms and conditions and confirm
that I have been authorised by the Board(s) of Directors of the Borrower(s)
(copy Resolution enclosed) to sign this Form of Acceptance on behalf of the
Borrower(s).

By (name and title):                                    Date
For and on behalf of: INLITE COMPUTERS LIMITED

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                                Facility Schedule

                     PART 1 - FACILITIES REPAYABLE ON DEMAND
                             OVERDRAFT: - BASE RATE

ACCOUNT NUMBER:                     53558286  60-06-20
NAME OF BORROWER                    Inlite Computers Limited
LIMIT:                              L150,000.
PURPOSE:                            To finance working capital
REPAYMENT:                          Fully fluctuating
1ST DEBIT INTEREST RATE:            2.25% above the Bank's Base rate
2ND DEBIT INTEREST RATE:            4.25% above the Bank's Base rate on
                                    borrowing in excess of agreed facilities.
INTEREST PAYABLE:                   Monthly
ARRANGEMENT FEE:                    LNil

EXCESS FEES:                        We will be entitled to charge an excess fee
                                    (Referral fee) at the Bank's published rate
                                    for each day any agreed limit is exceeded
                                    (see our "Services & Charges for Business
                                    Customers" brochure for details).

PART 2 - FACILITIES SUBJECT TO SEPARATE DOCUMENTATION:

The following facilities are made available on the terms of the separate
documentation between us.

<TABLE>
<CAPTION>
    NAME OF BORROWER      FACILITY AND PURPOSE    AMOUNT        DATE AGREEMENT
                                                     L              SIGNED
<S>                       <C>                     <C>           <C>
Inlite Computers Limited     Business Card        L10,000.       30/10/1995
</TABLE>

                                SECURITY SCHEDULE

We rely on the security detailed below (and require additional security where
specified) to repay, on demand, all your current and future liabilities (both
actual and contingent) to us. These liabilities include, without limitation,
those incurred by you under the facility(ies) specified in the Facility
Schedule.

<TABLE>
<CAPTION>
DATE EXECUTED/NEW:                SECURITY:                GIVEN/TO BE GIVEN BY:
<S>                 <C>                                    <C>
13/02/2001          Legal Mortgage over lease granted in    Copy Data Limited
                    favour of Copy Data relating to The
                    Arena, Raleigh Court, Priestley Way,
                    Crawley, West Sussex

30/03/1999          Guarantee Limited to L50,000           Kevin Michael O'Brien
13/02/2001          Guarantee Limited to L160,000          Eric Arthur O'Brien
                    (supporting security held)
</TABLE>

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General Terms

This section sets out in more detail the basis on which we make facilities
available to you. It covers issues such as how limits and interest are
calculated, how we can vary agreed terms and what we mean by "on demand."

         These General Terms apply to all on demand facilities listed in the
Advice of Borrowing Terms (the "AOBI"), BUT DO NOT APPLY TO THOSE FACILITIES
WHICH ARE SUBJECT TO SEPARATE DOCUMENTATION, unless such documentation expressly
incorporates these General Terms. In cases where the expression "you" includes
more than one person (for example joint account holders) it shall be taken to
refer to all or any one of more of you, and your obligations shall be joint and
several.

-    INDEPENDENT ADVICE. Unless we expressly agree in writing to do so we do not
     hold ourselves out as providing advice on or considering the general
     suitability of facilities for your particular circumstances [including tax]
     and neither we nor our employees shall be liable for any indications given
     as to such suitability. We make no warranties or representations about the
     advisability of any underlying transaction entered into by you. You should
     obtain independent professional advice on such matters, and upon any
     security or guarantee required by us.

-    ACCEPTANCE. Any offer of a facility must be accepted within the time period
     specified in the AOBT. We may, at our option, treat any usage of any of
     these facilities as acceptance (without amendment) of the terms and
     conditions of the AOBT.

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-    AVAILABILITY. Our normal practice is to review all credit facilities
     periodically. Any references in the AOBT to a review at, or availability
     until, a future date are merely indicative of our current intention and we
     may, at our discretion, review on demand facilities at an earlier date.
     Facilities which are not loans or overdrafts are offered on the basis that
     there is no commitment on our part to enter into any such facility with
     you. We may, at our absolute discretion, decide whether a utilisation may
     be made and any conditions subject to which utilisation may be made.

-    REPAYMENT. Notwithstanding any reference to review or availability or
     repayment term in the AOBT, all facilities ARE REPAYABLE ON DEMAND which we
     may make at our sole discretion at any time and may be noticed by withdrawn
     reduced or made subject to (further) conditions or otherwise varied. You
     must ensure that we receive by way of repayment, the full amount of any
     indebtedness irrespective of any taxes, duties or changes, in immediately
     available funds in the currency in which the facility is outstanding at the
     branch or office where the facilities are provided.

-    VARIATION AND WAIVER. We may vary these General Terms by giving one month's
     written notice to you. If a change in any currency of the United Kingdom
     occurs [including INTRODUCTION OF THE EURO), the AOBT and these General
     Terms will be amended to the extent we specify to reflect the change in
     currency and put us in the same position, so far as possible, that we would
     have been in if no change in currency had occurred. If we refrain from
     exercising any of our rights this shall not preclude us from exercising any
     rights at a later date.

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-    LIMITS.  The limits specified in the AOBT or the Facility Schedule for each
     facility and/or each account (including any Group or Composite Facility
     limits) must not at any time be exceeded. In addition, the aggregate
     utilization of any Composite and/or Group Limit specified for any group of
     accounts and/or facilities must not be exceeded, notwithstanding the total
     of any individual or sub limits allocated. If we have agreed that there
     will be a gross limit for one or more facilities, this means that the
     aggregate utilization of those facilities must not at any time exceed the
     gross limit. If we have agreed that there will be a net limit for one or
     more facilities, this means that the aggregate utilization of those
     facilities, less the aggregate amount of the cleared credit balances on
     the accounts specified by us in the AOBT, will not exceed the net limit
     (if no accounts are specified we may determine which accounts are utilized
     for this purpose). We are not obliged to allow or continue to allow any
     borrowing in excess of agreed facilities. Any reference to a particular
     account will include any successor account.

-    INTEREST. All interest notes are variable. Interest is payable monthly or
     quarterly (as detailed in the AOBT) on our usual charging days and on final
     repayment of the indebtedness. Interest accrues on the daily cleared debit
     balance on the account(s) concerned at the annual rate or rates shown in
     the AOBT (both before and after demand and/or judgment). It is calculated
     on the basis of a 365 day year for sterling (and either a 365 or 360 day
     year for currencies other than sterling or on such other basis as we may
     from time to time specify) and the actual number of days elapsed and is
     compounded monthly or quarterly. Our variable unarranged borrowing rate for
     the relevant currency will apply to any indebtedness

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     from time to time (i) in excess of agreed facilities or (ii) outstanding
     after the expiry date of agreed facilities or, in respect of (i) only, such
     other interest rate as we may specify.

-    CHANGES TO INTEREST. We may alter the basis on which interest is calculated
     including the size of the interest margin charged over our Base Rate or
     other published rate and/or the amount of any regular repayments of
     facilities which are repayable on demand by providing you with one month's
     written notice. As a change in our Base Rate or other variable rate is not
     an alteration of the basis upon which interest is calculated, no written
     notice need be given of such a change. Changes in our Base Rate or other
     published rates take effect when made. Details of current rates are
     available from any branch or office, and are published in selected national
     newspapers. Omission to publish details of any change in a newspaper shall
     not stop the change from taking effect. For a currency account, written
     notice of changes to the relevant Currency Base Rate will normally be
     given, although failureu to do so will not stop the change taking effect
     when made.

-    FEES. Fees quoted exclude charges for money transmission or similar
     services which are either advised (i) separately, or (ii) at the time a
     facility is used. All costs, charges and expenses incurred or suffered by
     us, including legal costs and our internal management costs, arising at any
     time in connection with any facility or with any related security or
     guarantee are payable by you on demand.

-    UNCOVERED PAYMENTS. An "uncovered payment" is a payment where the cleared
     credit balance or agreed credit facility is insufficient to meet that
     payment and all other payments requested, disregarding uncleared credits to
     that account. We do not accept any obligation to

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     made uncovered payments to third parties unless we have agreed to do so in
     writing. We need not make any uncovered payment which is in excess of any
     settlement risk limit.

-    SET OFF. We may, without notice, set-off against any credit balances on any
     of your account(s) (in any currency), your liability in respect of any
     facilities (including any uncovered payment) and may combine accounts. We
     are authorised to use all or any such credit balances to buy such other
     currencies as may be necessary in order to exercise any rights of set-off
     to which we may be entitled.

-    APPROPRIATION AND LIEN. Where more than one debt is owing to us we may use
     the whole or any part of any repayment to reduce or discharge the principal
     amount of your indebtedness as we may select, to meet any accrued interest
     or to discharge any other liabilities to us. We shall have a lien over
     securities of any kind and other items deposited by or on our behalf with
     us (including, without limitation, cheques given to us for collection).

-    SECURITY. Unless the AOBT expressly provides otherwise, any mortgage,
     charge or debenture must be a first legal mortgage, charge or debenture
     over the unencumbered title of the property in question. You may not grant
     (or allow to be created) without our prior written consent any other
     security interest in the property in question or part with possession of
     it. We may, at our sole discretion, require from time to time additional
     valuations (at your expense) by such valuer as we may approve, of any or
     all of the assets held by us a security.

-    ENVIRONMENT. You represent and warrant (both now and in the future) that
     you have and will comply in all material respects with any applicable
     environmental law, regulation or code of practice ("environmental law") and
     with the terms and conditions of any applicable

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     environmental licenses or other consents or approvals required by
     environmental law ("environmental licenses").

-    INFORMATION. You must provide us with any information which we may at any
     time reasonable require, and must inform us of any material change of facts
     or circumstances. You authorise us to disclose to your auditors any such
     information concerning your accounts with us as they may from time to time
     require.

-    CURRENCY ACCOUNTS. If in our opinion deposits in a currency are unavailable
     to us at any time to fund a currency drawing then we will not make a
     drawing available in that currency. All payments [including interest]
     require to be made by you under a facility in a currency other than
     sterling must be made in the currency of the drawing (The "Agreed
     Currency") and by credit to our account with such banking office as we may
     require.

     Any amount payable by you which is received by us in a currency other than
     the Agreed Currency, will be calculated by converting (at the prevailing
     spot rate of exchange on such date and in such market as we shall determine
     as being most appropriate) the Currency so received into the Agreed
     Currency. If the amount received is less than the relevant amount of the
     Agreed Currency then you will indemnify us for the deficiency and for any
     losses we may sustain as a result. You will in addition pay the costs of
     such conversion. All payments shall be deemed to have been made on such
     date as we shall determine in accordance with our normal practice from time
     to time.

-    CURRENCY EQUIVALENTS. The Sterling/Currency Equivalent of any amount
     denominated in another currency shall be calculated by reference to the
     Bank's then current spot rate of

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     exchange for the purchase of the relevant currency with the currency in
     which the facility is denominated. We may calculate the aggregate
     Sterling/Currency Equivalents of all drawings outstanding/proposed at any
     time to determine compliance or otherwise with the relevant facility limit.

-    CONTINGENT LIABILITIES. You will, on demand, pay to us an amount equal to
     the full face value of any contingent or future liabilities incurred by us
     at your request (such as letters of credit, bonds or guarantees). We may
     hold any such payment in our own name and may use it to meet such
     liabilities. You must in any event indemnify us against such liabilities
     and we will require you to execute a formal counter-indemnity in our
     standard form.

-    NEGOTIATION. You agree that all foreign cheques submitted to us for
     negotiation and/or collection will be dealt with on the basis that you have
     good title to all cheques and that you agree to indemnify us against all
     liabilities claims losses costs and expenses including exchange
     fluctuations and agents' charges which may be imposed upon, asserted
     against or incurred by us in any way relating to or arising out of the
     negotiation and/or collection of cheques on your behalf. If the cheque is
     subsequently returned unpaid you authorise us to debit your account with
     the amount credited to our account plus any losses, costs, expenses or
     charges which we may have incurred.

-    FORWARD EXCHANGE. Where we make a forward exchange facility available to
     you, you confirm and understand that no forward purchase or sale of foreign
     currency shall be made for investment purposes (see paragraph 8 of Schedule
     1 of the Financial Services Act 1985) without our prior written consent.

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-    GENERAL.

         (a) Whenever facilities are subject to Part V of the Consumer Credit
         Act 1974 additional documents and procedures may be necessary before
         facilities can be drawn.

         (b) If we consider that any proposed payment or use of a facility might
         be made for an unlawful purpose, then we may refuse to make such a
         payment or allow such use.

         (c) We may give written notice or make demand by post or by hand or by
         facsimile machine or by other form of electronic communication. A
         notice or demand may be addressed to you at your Registered Office or
         address or the place of business last known to us and shall be deemed
         to have been received when transmitted or (if posted) on the business
         day after posting. We may use the facsimile number or electronic
         address last known to us.

         (d) The relationship between us, these General Terms and the AOBT are
         governed by English law and the English courts shall have jurisdiction
         in respect thereof. However when we consider it appropriate we may take
         proceedings against you in any other court of competent jurisdiction
         (whether concurrently or not with any other proceedings). These terms
         are in addition to the usual terms which apply to the relationship
         between a bank and its customer and to the operation of bank accounts
         (whether in credit or debit) and to the terms of your mandate with us
         and to all other consistent terms which may be implied by law.

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         (e) You must maintain a current account with us throughout the life of
         any facilities and we may charge to your current account all amounts,
         including interest, due in respect of any facility.

                                       13<PAGE>

                                                                   EXHIBIT 10.26

                                                   Premcor Inc.
                                                   1700 East Putnam, Suite 500
[LOGO]                                             Greenwich, CT  06870
                                                   Chicago Office (847) 252-2525
                                                   Chicago Fax (847) 252-2531

                                                   Richard C. Lappin

November 13, 2002

Mr. Thomas D. O'Malley
Horse Island, Mead Point
Greenwich, CT 06830

Dear Tom:

On January 30, 2002 you executed an employment agreement (the "Agreement") with
the Company which provided a retirement benefit equal to six percent of the sum
of Base Salary plus Annual Bonus for each fiscal year during the Employment Term
(the "Retirement Benefit"). On April 2, 2002 the Board of Directors approved the
Premcor Senior Executive Retirement Plan (the "SERP") and your participation
under the SERP, the terms of which supercede and replace the Retirement Benefit
provided in your Agreement.

At the Board of Directors meeting on September 10, 2002, management proposed and
the Board approved a resolution to indefinitely suspend the SERP. During this
suspension, no benefits will be accrued, but service time will count toward
vesting of any benefit that may be earned in the future. No benefit will be
earned, unless and until the SERP is reactivated.

If and when the financial condition of the company improves, the Board will
consider reactivation of the SERP, but there is no assurance that the SERP will
be reactivated.

During the period of this suspension and upon your acceptance as indicated
below, the Company will provide for continuation of your group term life
insurance and healthcare benefits for a period of three years in lieu of
benefits formerly available under the SERP in the event your employment is
terminated by the Company other than for Cause, by your resignation for Good
Reason, by your termination due to disability or death or by the Company's
election not to extend the Employment Term. If your employment is terminated by
the Company for Cause, you resign without Good Reason or you elect not to extend
the Employment Term, you will not be eligible for these benefits.

<PAGE>

Your acceptance of this letter shall serve as your consent to the termination of
the Retirement Benefit defined in your Agreement, the suspension of the SERP and
the provision of continued life insurance and healthcare benefits in lieu of the
benefits provided in the SERP. This letter shall also serve as a waiver by you
of the termination of your Retirement Benefit and suspension of the SERP as a
purported breach of your Agreement.

Please execute one copy of this letter and return it to James R. Voss, Senior
Vice President and Chief Administrative Officer.

Sincerely,

/s/ RICHARD C. LAPPIN
-------------------------------
Richard C. Lappin
Chairman, Compensation Committee
Board of Directors of Premcor Inc.

Agreed and Accepted:

/s/ THOMAS D. O'MALLEY                             November 13,2002
-------------------------------                    -----------------------------
Thomas D. O'Malley                                 Date

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