Document:

Exhibit 10.1
                                                                    ------------

                                 PROMISSORY NOTE

$250,000.00                                   Effective Date: September 10, 2003

         FOR VALUE RECEIVED,  on or before January 8, 2004 ("Maturity Date") the
undersigned,  MANAGEMENT  SOLUTIONS  & SYSTEMS,  INC.,  a  Maryland  corporation
(hereinafter  referred  to as  "Maker"),  promises  to  pay to  TAZBAZ  HOLDINGS
LIMITED, an Ontario, Canada corporation (hereinafter referred to as "Holder") at
its offices located at 235 Lakeshore Road,  East Oakville,  Ontario,  Canada L6J
1H7 in lawful money of the United States of America,  the sum of TWO HUNDRED AND
FIFTY THOUSAND AND NO/100 DOLLARS ($250,000.00),  together with interest thereon
from the date hereof until paid at the rate of 5.0% per annum.

         This promissory note (this "Note") is due and payable as follows:

         All principal and accrued but unpaid  interest shall be due and payable
         on the Maturity Date. In the event all principal and accrued but unpaid
         interest have not been paid by the Maturity  Date,  the Borrower  shall
         have the right to defer  paying  the  outstanding  balance of the Note,
         including all accrued and unpaid  interest as of the Maturity  Date, by
         making  twelve  equal  monthly   payments  of  principal  and  interest
         commencing  on the date  that is 30 days  after the  Maturity  Date and
         continuing on said day of each calendar month thereafter (the "Deferral
         Period"). Interest shall accrue at the rate of 15% per annum during the
         Deferral Period.

         This Note may be prepaid at any time  without  premium or penalty.  All
prepayments  shall be applied  first to accrued but unpaid  interest and then to
principal.  All payments and  prepayments of principal and interest on this Note
shall be made at the address of Holder  indicated  above, or such other place as
the holder of this Note shall  designate in writing to Maker.  If any payment of
principal  of or interest on this Note shall  become due on a day which is not a
Business Day (as  hereinafter  defined),  such payment shall be made on the next
succeeding  Business  Day and any such  extension  of time shall be  included in
computing  interest in connection  with such payment.  As used herein,  the term
"Business Day" shall mean any day other than a Saturday, Sunday or any other day
on which national banking associations are authorized to be closed.

         If any  installment  or payment of  principal  or interest of this Note
during the Deferral  Period is not paid within three business days of when it is
due and is not cured within 10 business days  following  the three  business day
period;  or if Maker shall become  insolvent  (however  such  insolvency  may be
evidenced);  or if any  governmental  authority  or any  court  at the  instance
thereof  shall take  possession  of any  substantial  part of the property of or
assume  control  over the  affairs  or  operations  of, or a  receiver  shall be
appointed  for or take  possession  of the  property  of,  or a writ or order of
attachment or garnishment shall be issued or made against any of the property of
Maker; thereupon, at the option of Holder, this Note shall become and be due and
payable forthwith.

         This Note is intended to be performed in accordance  with,  and only to
the extent  permitted  by, all  applicable  usury laws. If any provision of this
Note or the  application  hereof to any person or  circumstance  shall,  for any
reason and to any extent, be invalid or  unenforceable,  neither the application
of such provision to any other person or  circumstance  nor the remainder of the
instrument in which such  provision is contained  shall be affected  thereby and
such provision shall be enforced to the greatest extent  permitted by law. It is

                                       1
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expressly  stipulated  and agreed to be the intent of the Holder to at all times
comply with the usury and other  applicable laws now or hereafter  governing the
interest payable on the  indebtedness  evidenced by this Note. If the applicable
law is ever revised, repealed or judicially interpreted so as to render usurious
any amount  called  for under this Note,  or  contracted  for,  charged,  taken,
reserved or received with respect to the indebtedness evidenced by this Note, or
if Holder's  exercise of the option to accelerate  the maturity of this Note, or
if any  prepayment  by Maker results in Maker having paid any interest in excess
of that permitted by law, then it is the express intent of Maker and Holder that
all excess amounts theretofore  collected by Holder be credited on the principal
balance  of this Note  (or,  if this  Note has been  paid in full,  refunded  to
Maker),  and the provisions of this Note  immediately be deemed reformed and the
amounts thereafter  collectable hereunder reduced,  without the necessity of the
execution of any new document, so as to comply with the then applicable law, but
so as to  permit  the  recovery  of the  fullest  amount  otherwise  called  for
hereunder.  All  sums  paid,  or  agreed  to be  paid,  by  Maker  for the  use,
forbearance,   detention,  taking,  charging,  receiving  or  reserving  of  the
indebtedness  of Maker to Holder  under this Note shall,  to the maximum  extent
permitted  by  applicable  law, be  amortized,  prorated,  allocated  and spread
throughout the full term of such indebtedness  until payment in full so that the
rate or amount of interest on account of such  indebtedness  does not exceed the
usury ceiling from time to time in effect and  applicable  to such  indebtedness
for so long as such indebtedness is outstanding. Notwithstanding anything to the
contrary  contained  herein, it is not the intention of Holder to accelerate the
maturity of any interest  that has not accrued at the time of such  acceleration
or to collect unearned interest at the time of such acceleration.

         THIS NOTE SHALL BE GOVERNED BY  ONTARIO,  CANADA LAW WITHOUT  REGARD TO
PRINCIPLES OF CONFLICTS OF LAW AS IF PERFORMED  ENTIRELY  WITHIN THE PROVINCE OF
ONTARIO,  CANADA BY ONTARIO,  CANADA RESIDENTS.  MAKER AND HOLDER EACH SUBMIT TO
THE EXCLUSIVE  JURISDICTION  OF THE  PROVINCIAL  AND FEDERAL COURTS IN OAKVILLE,
HALTON COUNTY, ONTARIO, CANADA.

                                             MAKER:
                                             ------

                                             MANAGEMENT SOLUTIONS & SYSTEMS, INC

                                             By:    /s/ Larry L. Brooks, Sr.
                                             Name:  Larry L. Brooks, Sr.
                                             Title: Vice PresidentExhibit 10.2
                                                                    ------------

                        FINANCING AND SECURITY AGREEMENT

This Financing and Security Agreement dated for purposes of reference June 14th,
2001 is by and between the  undersigned,  MANAGEMENT  SOLUTIONS & SYSTEMS,  INC.
D/B/A MANAGEMENT SOLUTIONS SYSTEMS, INC. which is located at 337 BRIGHSEAT ROAD,
SUITE 108, LANDOVER,  MD 20785 (hereinafter  referred to as `CLIENT') and ACTION
CAPITAL CORPORATION (hereinafter, `ACTION'). CLIENT and ACTION agree as follows:

I.   PURPOSE OF AGREEMENT

CLIENT desires to obtain short-term financing by selling and assigning to ACTION
acceptable accounts  receivable.  The purpose of this financing is commercial in
nature, and not for household,  family, and/or personal use. In the event CLIENT
and ACTION are currently operating under an earlier agreement, this agreement is
and shall be a modification  and  continuation of such earlier  agreement and in
the event of any inconsistencies or contradictions within the agreements, CLIENT
and ACTION agree that the terms of THIS AGREEMENT SHALL CONTROL.

II.  DEFINITIONS

2.1  `ACCOUNT' means both present and future accounts, contract rights and other
     forms of  obligations  for the payment of money  arising out of the sale by
     CLIENT of goods or the performance by CLIENT of services.

2.2  `ACCEPTABLE  ACCOUNT' means an account offered by CLIENT to ACTION for sale
     which  account  ACTION  has  reviewed  and  have,  in its sole  discretion,
     approved for purchase in whole or in part,  and which  account  conforms to
     the warranties and terms set forth herein and in the Agreement for the Sale
     and Assignment of Invoices form accompanying each offer to sell.

2.3  `CUSTOMER' means CLIENT's customer or the account debtor.

2.4  `INVOICE' means the document  evidencing any ACCOUNT referenced in and made
     subject to any Agreement for the Sale and Assignment  thereof  entered into
     between the CLIENT and ACTION.

III.     WARRANTIES AND COVENANTS BY CLIENT

3.1  CLIENT's  business is solvent,  and is  presently  paying its debts as they
     become due.  CLIENT has never filed for  bankruptcy  under federal or state
     law nor had an involuntary bankruptcy petition filed against it. CLIENT has
     made and shall  continue to make timely payment of all required  taxes.  To
     the best of CLIENT's  knowledge and based on CLIENT's  reasonable  business
     practices, each CUSTOMER is solvent.

3.2  Each  ACCOUNT  offered for sale to ACTION  hereunder is and shall be, as of
     the time of such offer,  a bona fide and  existing  obligation  of CLIENT's
     CUSTOMER  for the  payment  of money  arising  out of the sale by CLIENT of
     goods or the  performance  by CLIENT of services,  which is owed to CLIENT,
     free from any  liens,  claims,  disputes,  off-sets  or  equities  of third
     parties,  that  CLIENT is the lawful  owner of and has good and  undisputed
     title to the  ACCOUNTs  offered for sale to ACTION  hereunder,  and that no
     ACCOUNT  offered or to be offered for sale to ACTION  hereunder  represents
     consigned or guaranteed sales.

3.3  CLIENT has not  transferred,  pledged or  granted a  security  interest  in
     CLIENT's  ACCOUNTs to any other party and CLIENT will not transfer,  pledge
     or grant a security  interest to any other party in said  ACCOUNTs  for the
     term of this  Agreement  and for as long as  CLIENT is  indebted  to ACTION
     hereunder.  Additionally, CLIENT will not sell or assign ACCOUNTs except to
     ACTION  for  the  period  of  this  Agreement,  and/or  for as  long as any
     indebtedness whatsoever remains owing by CLIENT to ACTION.

3.4  FINANCIAL  INFORMATION:  CLIENT will furnish ACTION financial statements as
     reasonably  required by ACTION from time to time and will  furnish  ACTION,
     upon request,  satisfactory  proof of payment  and/or  compliance  with all
     Federal,  State  and/or  local  tax  requirements.  ACTION  will  keep  any
     information  it receives  with respect to the financial or other records of
     CLIENT or  CLIENT's  CUSTOMERS  strictly  confidential.  This  covenant  of
     confidentially survives this Agreement. All financial records,  statements,
     books or other  documents  shown to ACTION  by  CLIENT at any time,  either
     before or after the signing of this Agreement, are true and accurate.

3.5  ACTION or any person  designated by ACTION shall have the right at any time
     to inspect,  audit,  check and make copies or extracts from CLIENT's books,
     records,  journals,  orders,  receipts,  and other correspondence and other
     data relating to CLIENT's business and any other transaction between ACTION
     and CLIENT without hindrance or delay.

<PAGE>

3.6  CLIENT  will not,  under any  circumstances  or in any  manner  whatsoever,
     interfere with any of ACTION's rights under this Agreement.

3.7  CLIENT will promptly notify ACTION in writing of any change in the location
     of CLIENT's place(s) of business, name, identity, legal entity, corporate
     structure, officers, principals, partners, and/or owners of CLIENT.

3.8  CLIENT has full power and  authority  to execute,  deliver and perform this
     Agreement.

IV.  FURTHER PROMISES

4.1  SECURITY INTEREST/COLLATERAL: CLIENT gives to ACTION, as collateral for the
     repayment of any and all obligations  and liabilities  whatsoever of CLIENT
     to ACTION, a security  interest,  under the Uniform Commercial Code, in the
     following    described   property    (hereinafter    collectively    called
     `Collateral'):  All presently existing or hereafter  arising,  now owned or
     hereafter acquired accounts, accounts receivable,  contract rights, chattel
     paper,  documents,  instruments,  general  intangibles,  reserves,  reserve
     accounts, rebates, and all books and records (including without limitation,
     customer lists, computer programs,  print outs, and other computer material
     and records)  pertaining to the foregoing and all proceeds of the foregoing
     property.

4.2  NOTIFICATION:  ACTION will, at its discretion,  notify any CUSTOMER TO MAKE
     PAYMENTS  DIRECTLY TO ACTION for any ACCOUNT  that is sold and  assigned to
     ACTION pursuant to this Agreement.

4.3  ASSIGNMENT:  CLIENT  shall  from  time to time at  CLIENT's  option,  sell,
     transfer and assign  ACCEPTABLE  ACCOUNTs to ACTION,  to be identified on a
     form  known as  ACTION's  Agreement  for Sale and  Assignment  of  Invoices
     together with an original INVOICE and all supporting documents  appropriate
     to CLIENT's business.

4.4  PURCHASE PRICE: Each ACCEPTABLE ACCOUNT purchased by ACTION hereunder shall
     be  purchased  for a price  equal  to the  net  amount  of such  ACCEPTABLE
     ACCOUNT,  less ACTION's fees and costs. As used herein, the "net amount" of
     an ACCEPTABLE  ACCOUNT means the face amount  thereof less express mail and
     bank wire  transfer  charges,  and all  returns,  discounts  and credits or
     allowances of any nature,  calculated on the basis of the shortest  selling
     terms provided.

4.5  INTEREST  AND FEES:  ACTION  agrees to provide  financing to CLIENT for the
     fees as indicated below:

     (a)  WITH  RESPECT  TO THE  DAILY  AVERAGE  BALANCE  OF  UNPAID  ACCEPTABLE
          ACCOUNTS PURCHASED HEREUNDER BY ACTION, CLIENT SHALL PAY INTEREST AT A
          PER ANNUM RATE EQUAL TO THE "PRIME RATE OF WACHOVIA BANK,  N.A. (AS OF
          THE DATE HEREOF,  THE PRIME RATE OF WACHOVIA  BANK,  N.A. IS 7.00% AND
          MAY IN THE FUTURE INCREASE OR DECREASE) PLUS ONE PERCENT (1.00%), PLUS
          A MONTHLY  FEE EQUAL TO  NINETY-FIVE  ONE  HUNDREDTHS  OF ONE  PERCENT
          (0.95%)  PER MONTH WITH  RESPECT TO SUCH DAILY  AVERAGE  BALANCE.  ANY
          FUTURE  CHANGES IN SUCH PRIME RATE SHALL BE  EFFECTED ON THE FIRST DAY
          OF EACH MONTH  HEREAFTER  BASED ON THE PRIME RATE IN EFECT ON THE LAST
          DAY OF THE PRECEDING MONTH. ALL COMPUTATIONS OF INTEREST DUE HEREUNDER
          SHALL BE CALCULATED  ON THE BASIS OF A 360-DAY  YEAR,  FOR ACTUAL DAYS
          ELAPSED.  ALL INTEREST AND FEES  HEREUNDER  SHALL BE BILLED MONTHLY IN
          ARREARS WITH PAYMENT DUE ON THE BILLING DATE.

     (b)  all other costs incurred by ACTION.

4.5  DATE OF ADVANCE: ACTION will buy ACCEPTABLE ACCOUNTs at the NET AMOUNT less
     any  specified  reserve  which will be  advanced  to CLIENT at the time the
     ACCOUNT is accepted.

4.6  RESERVE:  ACTION will reserve and  withhold an amount in a reserve  account
     equal to NOT LESS THAN FIFTEEN  PERCENT  (15%) of the face amount of unpaid
     ACCOUNTs purchased hereunder. The reserve account may be held by ACTION and
     applied against  charge-backs or any obligations of CLIENT to ACTION, known
     or  anticipated,  and the reserve  account  shall not be due and payable to
     CLIENT  until any and all  obligations  of CLIENT to ACTION  are fully paid
     and/or satisfied. Notwithstanding the foregoing, as each ACCOUNT is paid in
     full, the reserve  associated  with the paid ACCOUNT will be made available
     to  CLIENT  provided,  however,  there  does  not  then  exist  an event or
     condition of default and further provided, however, that in no event at any
     time  shall the  aggregate  balance  in the  reserve  account  be less than
     FIFTEEN PERCENT (15%) of CLIENT's unpaid ACCEPTABLE  ACCOUNTs  purchased by
     ACTION.

<PAGE>

4.7  RECOURSE: ACTION shall have full recourse against CLIENT when an ACCOUNT is
     not paid by CUSTOMER when due, including without  limitation,  the right to
     charge-back  or sell back any such  ACCOUNT,  if not paid within 90 days of
     the date of purchase. Notwithstanding the foregoing, as to any such ACCOUNT
     that  is  charged-back  or sold  back to or  repurchased  by  CLIENT,  such
     charge-back,  sell back or repurchase  shall not constitute a re-assignment
     to CLIENT of any payment rights with respect to any such ACCOUNT and ACTION
     shall at all times  thereafter  retain  the  exclusive  and prior  right to
     collect and/or receive  payment for any such ACCOUNT,  unless and until all
     obligations of CLIENT to ACTION have been fully and finally satisfied.

4.8  DISPUTED  ACCOUNTS:  CLIENT will immediately  notify ACTION and accept back
     (repurchase)  from ACTION any ACCOUNT subject to a dispute between CUSTOMER
     and CLIENT of any kind whatsoever.

4.9  HOLD IN TRUST:  CLIENT will hold in trust and safekeeping,  as the property
     of ACTION, and immediately turn over to ACTION the identical check or other
     form of payment  received  by CLIENT,  whenever  any  payment on an ACCOUNT
     purchased by ACTION comes into CLIENT's  possession;  ANY FAILURE BY CLIENT
     IN THIS REGARD  CONSTITUTES  A DEFAULT  UNDER THIS  AGREEMENT  (PURSUANT TO
     SECTION V  HEREINBELOW)  AND MAY RESULT IN CIVIL  AND/OR  CRIMINAL  ACTIONS
     AGAINST CLIENT AND/OR THE PERSON (S) RESPONSIBLE FOR SUCH FAILURE.

4.10 RESPONSIBILITY  FOR TAXES: All taxes and governmental  charges with respect
     to goods or services  represented by ACCOUNTs  purchased by ACTION shall be
     the obligation and  responsibility of CLIENT.  CLIENT has no obligation for
     ACTION's  income or  property  taxes or any other  taxes  with  respect  to
     ACTION's business.

4.12 NOTICE  OF  LEVY:  CLIENT  will  promptly  notify  ACTION  of any  material
     attachment,  tax assessment or other legal process levied against CLIENT or
     any of CLIENT's CUSTOMERS.

4.13 BOOK ENTRY: CLIENT will,  immediately upon sale of ACCOUNTs to ACTION, make
     proper  entries on its books and records  disclosing  the absolute  sale of
     said  ACCOUNTs  to  ACTION  subject  to the terms  and  conditions  of this
     Agreement.

4.14 LEGAL FEES:  Except as is prohibited by law, CLIENT shall pay to ACTION all
     reasonable costs and expenses, including without limitation attorney's fees
     and  expenses,   and  costs  incurred  by  ACTION  in  the  prosecution  or
     enforcement  of any of ACTION's  rights,  claims or courses of action which
     arise out of, relate to or pertain to this Agreement.

4.15 POWER OF ATTORNEY:  CLIENT hereby names,  appoints,  and constitutes ACTION
     and its  designees as CLIENT's true and lawful  attorney-in-fact,  and does
     hereby request,  authorize,  empower and direct ACTION or its designee, for
     and in the name and instead of CLIENT,  either in CLIENT's name or ACTION's
     name to:

     (a)  compromise,  adjust or settle any claim of a customer  with respect to
          an  ACCOUNT  that is sold and  assigned  to  ACTION  pursuant  to this
          Agreement;

     (b)  demand,  sue for,  collect and give release for any and all monies due
          or to become  due on  ACCOUNTs  that are sold and  assigned  to ACTION
          pursuant to this Agreement;

     (c)  make any and all  corrections or completions on any of the invoices or
          other documents  constituting  the ACCOUNTS that are sold and assigned
          to ACTION pursuant to this Agreement;

     (d)  endorse  CLIENT's  name an any checks,  drafts,  instruments  or other
          evidences  of  payment  with  respect to any  ACCOUNT or to  otherwise
          collect the same;

     (e)  receive, open and dispose of all mail addressed to CLIENT with respect
          to any ACCOUNT; and

     (f)  do all other acts and things  necessary  to carry out the  purpose and
          intent of this agreement.

     All acts of ACTION as attorney-in-fact are hereby ratified and approved and
     ACTION shall not be liable for any errors of commission or omission nor for
     any error of or mistake of law or fact  excepting acts  constituting  gross
     negligence or willful misconduct. This power of attorney in coupled with an
     interest  and is  irrevocable  for so long as CLIENT is indebted to ACTION.
     The  authority  granted  ACTION shall remain in full force and effect until
     all assigned  accounts are paid in full and any  indebtedness  of CLIENT to
     ACTION is discharged.

<PAGE>

V.   DEFAULT

5.1  EVENTS  OF  DEFAULT:  Any one or more of the  following  shall be a default
     hereunder:

     (a)  CLIENT's  breach of any  promise,  covenant  or  warranty  under  this
          Agreement  or any  other  agreements  between  CLIENT  and  ACTION  or
          obligation of CLIENT to ACTION, including without limitation,  payment
          of any indebtedness to ACTION when due;

     (b)  the  appointment  of any  receiver or trustee of all or a  substantial
          portion of the assets of CLIENT;  insolvency or inability to pay debts
          as they mature; a general assignment for the benefit of creditors; the
          voluntary  or  involuntary  filing of a petition  for relief under any
          bankruptcy or similar law;

     (c)  issuance of any levies of attachment,  executions,  tax assessments or
          similar process against the Collateral;

     (d)  CLIENT's tender to ACTION of information that is false or incorrect in
          any material respect.

5.2  REMEDIES AFTER DEFAULT: In the event of any default,  ACTION may do any one
     or more of the following:

     (a)  declare any indebtedness  including  outstanding ACCOUNTS purchased by
          ACTION, immediately due and payable;

     (b)  notify any CUSTOMER of CLIENT to make payments directly to ACTION with
          respect to any and all ACCOUNTS of CLIENT;

     (c)  require  CLIENT to send  copies of  records  and files  pertaining  to
          ACCOUNTs to ACTION and enter the premises of CLIENT and make copies of
          the  COLLATERAL  and the records  pertaining  to the  ACCOUNTs and any
          other COLLATERAL;

     (e)  hold CLIENT liable for any deficiency.

VI.  MISCELLANEOUS

6.1  MAXIMUM  ACCOUNT:  The outstanding  amount of CLIENT's  account with ACTION
     (that is, at any time,  the unpaid and owing  principal  amount of advances
     made by ACTION to CLIENT) shall not exceed $500,000.00.

6.2  TERMINATION:  This Agreement  shall continue in full force and effect until
     terminated by written notice by either party.

6.3  POST-TERMINATION:  After  termination  CLIENT shall be liable to ACTION for
     the full and prompt  payment of the full amount of ACCOUNTs which have been
     sold and assigned to ACTION and are then  outstanding and unpaid,  disputed
     or undisputed,  as well as any other indebtedness whatsoever.  ACTION shall
     continue to have a security  interest  in the  LATERAL of CLIENT  until any
     existing indebtedness of CLIENT to ACTION is paid in full.

6.4  APPLICABLE  LAW:  This  Agreement  shall be  governed by and  construed  in
     accordance  with the laws of the State of Georgia and shall be binding upon
     the successors, assigns and representatives of the parties hereto.

6.5  ENTIRE  AGREEMENT-AMENDMENT:  This document  contains the entire  Agreement
     between the parties as of the date specified  below.  This Agreement may be
     modified only by a written instrument executed by the parties hereto.

         Executed and accepted this 14 day of June, 2001.

Attested By:                                      CLIENT:

                                     MANAGEMENTY SOLUTIONS & SYSTEMS, INC. D/B/A
                                     MANAGEMENT SOLUTIONS SYSTEMS, INC.

/s/ Larry L. Brooks                  BY: /s/ Clifford Pope
------------------------------          ----------------------------------------
Corporate Secretary                     PRESIDENT

(Affix Corporate Seal)

                                     ACTION:

                                     ACTION CAPITAL CORPORATION

                                     BY: /s/ illegible
                                        ----------------------------------------
                                        Executive Vice President

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