Document:

EXHIBIT 10.26

SOUTHTRUST                                                   LINE OF CREDIT NOTE

SOUTHTRUST BANK
ST CAP FUNDS(SERVICEMARK)

      FOR VALUE RECEIVED,  the  undersigned,  which shall include all signers of
this Line of Credit Note, jointly and severally,  ("Borrower"),  promises to pay
to the  order of  SOUTHTRUST  BANK  (the  "Bank")  at the  office of the Bank in
Birmingham,  Alabama, or at such other place as the holder of this note may from
time to time designate in writing, the principal sum of One Million Five Hundred
Thousand and No/100  Dollars  ($1,500,000),  or so much thereof as may have been
advanced to Borrower  from time to time and not repaid by the Borrower  pursuant
to the terms hereof,  together with interest on the unpaid  principal  amount of
such advances at a per annum rate equal to a floating rate of fifty basis points
(0.50%) above the Base Rate of the Bank as in effect from time to a time so long
as the principal  amount,  or any part thereof,  is  outstanding.  The principal
amount of such advances shall bear interest from the date of each such advance.

      Interest  provided for herein shall be due and payable monthly  commencing
on the first day of November ____,  2000, and continuing on the same day of each
month  thereafter  through  and  until  such  time as there  remains  no  unpaid
principal  balance on the amounts  advanced to the  Borrower  hereunder or under
that certain Loan Agreement between Borrower and Bank dated  __________________,
2000 (the "Loan  Agreement").  The  applicable  interest rate shall shall change
from  time to time as and when  the Base  Rate of the  Bank  changes  until  the
principal amount is paid in full.

      Principal  and  interest  shall be payable  in lawful  money of the United
States of America.  Interest on the principal  amount shall be calculated on the
basis of a 360 day year by  multiplying  the  principal  amount by the per annum
rate set forth above,  multiplying  the product  thereof by the actual number of
days elapsed,  and dividing the product so obtained by 360. The term "Base Rate"
means the rate of interest designated by the Bank periodically as its Base Rate.
The Base Rate is not  necessarily  the lowest rate charged by the Bank. The Base
Rate on the date of this note is __________. Time is of the essence with respect
to the amounts due hereunder.

      During the  Commitment  Period,  (as defined in the Loan  Agreement),  the
Borrower may borrow,  repay and reborrow the principal sum of this Note,  all in
accordance  with the terms of the Loan Agreement but only in such amounts and to
the extent therein provided.  On November 1, 2001 or such earlier date as may be
provided in the Loan Agreement,  (the "Maturity  Date"),  this note shall mature
and all principal, interest, and other fees and charges due with respect hereto,
if not previously paid, shall be immediately due and payable.

      Borrower shall not have the right to prepay this Note except in the manner
and upon  payment of the  Termination  Fees,  if any,  provided  for in the Loan
Agreement.

      This note is referred  to in and is  entitled to the  benefits of the Loan
Agreement  and is secured by the security  set forth and/or  referred to in said
Loan  Agreement,  including  the  Separate  Agreements  and the  Loan  Documents
referred to therein.  Funds disbursed hereunder shall be disbursed in accordance
with the Loan  Agreement.  This note is  unconditionally  guaranteed by Guaranty
Agreements executed by Harry D. Shields and John B. Gallaghar (the "Guarantors")
bearing even date herewith.

<PAGE>

      The principal sum evidenced by this Note, together with accrued but unpaid
interest, shall be due and payable on the Maturity Date, but in any event at the
option of Bank upon the  occurrence of (1) any failure by Borrower to pay as and
when due any installment of principal or interest due hereunder; (2) any default
or Event of Default under the Loan  Agreement or any other default or failure by
Borrower to observe any covenant, condition or agreement under the terms of this
Note,  the Loan  Agreement,  any of the Loan  Documents  (as defined in the Loan
Agreement) or any other security  documents  heretofore or hereafter executed by
Borrower to secure this Note; (3) the  expiration of the  Commitment  Period (as
defined in the Loan Agreement); (4) the filing by Borrower or any Guarantor of a
voluntary petition in bankruptcy,  the adjudication of Borrower or any Guarantor
as a bankrupt  or  insolvent,  the filing by Borrower  or any  Guarantor  of any
petition or answer seeking or acquiescing  in any  reorganization,  arrangement,
composition, readjustment,  liquidation, dissolution or similar relief under any
present or future federal, state or other statute, law or regulation relating to
bankruptcy,  insolvency  or other  relief  for  debtors,  or  Borrower's  or any
Guarantor's  seeking or consenting to or  acquiescence in the appointment of any
trustee,  receiver or liquidator or the making of any general assignment for the
benefit of creditors or its  admission in writing of its inability to pay its or
his debts  generally  as they become due;  (5) the entry by a court of competent
jurisdiction of an order, judgment, or decree approving a petition filed against
Borrower or any Guarantor seeking any reorganization,  arrangement, composition,
readjustment,  liquidation,  dissolution  or similar relief under any present or
future  federal,   state  or  other  statute,  law  or  regulation  relating  to
bankruptcy,  insolvency,  or other relief for debtors,  which order, judgment or
decree remains  unvacated and unstayed for thirty (30) consecutive days from the
date of entry thereof, or the appointment of any trustee, receiver or liquidator
of Borrower or any Guarantor or of a substantial  part of its or his property or
of any or all of the  rents,  revenues,  issues,  earnings,  profits  or  income
thereof;  (6) the death of any  Guarantor;  (7) the  occurrence  of any material
adverse  change in the  financial  condition  or  prospects  of  Borrower or any
Guarantor.  If, at the time the principal  balance is declared to be immediately
due and payable,  the principal balance hereof shall be subject to prepayment at
the option of Borrower,  there shall be added to the principal  balance then due
an amount equal to the Termination  Payment (if any) which would then be payable
in the event of a voluntary prepayment.

      Upon any  default,  Borrower  agrees to pay  interest  to the Bank (or any
holder) at the annual rate of four percent (4%) in excess of the rate  otherwise
herein  provided,  as said rate shall change from time to time, on the aggregate
indebtedness  represented by this note,  including  interest earned to maturity,
from maturity, whether or not resulting from acceleration,  until such aggregate
indebtedness  is paid in full.  The Bank (or any  holder)  shall be  entitled to
recover all expenses of collecting  this note,  including,  without  limitation,
costs of court and reasonable and actual attorney's fees.

      The  acceptance by the Bank of any payment or payments due  hereunder,  or
any part of such  payment,  after any default  shall not  constitute a waiver of
such default by the Bank.

      With respect to the amounts due under this note,  the Borrower  waives the
following:

      (a) All rights of exemption of property from levy or sale under  execution
or other process for the collection of debts under the  Constitution  or laws of
the United States or any state thereof;

      (b)  Demand,   presentment,   protest,  notice  of  dishonor,   notice  of
non-payment,  suit  against any party,  diligence in  collection,  and all other
requirements  necessary  to  charge  or  hold  the  undersigned  liable  on  any
obligations hereunder; and

                                       2
      ___________ initials
<PAGE>

      (c) Any further  receipt for or  acknowledgment  of any  collateral now or
hereafter deposited as security for the obligations hereunder.

      Regardless  of any  provision  contained  in this  Note or any of the Loan
Documents,  in no event shall the  aggregate of all amounts that are  contracted
for, charged or collected  pursuant to the terms of this Note or any of the Loan
Documents, and that are deemed interest under Applicable Law, exceed the Maximum
Rate. No provision of this Note or in any of the Loan  Documents or the exercise
by Bank of any right  hereunder or under any Loan Document or the  prepayment by
Borrower  of  any of  the  Obligations  or  the  occurrence  of any  contingency
whatsoever,  shall entitle Bank to charge or receive,  or to require Borrower to
pay,  interest or any amounts  deemed  interest by Applicable  Law (such amounts
being  referred to herein  collectively  as "Interest") in excess of the Maximum
Rate,  and all  provisions  hereof or in any Loan Document  which may purport to
require  Borrower to pay  Interest  exceeding  the Maximum Rate shall be without
binding  force or effect to the extent only of the excess of Interest  over such
Maximum  Rate.  Any  Interest  charged or received in excess of the Maximum Rate
("Excess"),  shall be conclusively  presumed to be the result of an accident and
bona fide error,  and shall,  to the extent  received by Bank,  at the option of
Bank,  either be applied to reduce the principal  amount of the  Obligations  or
returned  to  Borrower.  The  right to  accelerate  the  maturity  of any of the
Obligations does not include the right to accelerate unaccrued interest,  and no
such  interest will be collected by Bank.  All monies paid to Bank  hereunder or
under any of the Loan  Documents  shall be  subject  to any  rebate of  unearned
interest as and to the extent  required by  Applicable  Law. By the execution of
this Agreement,  Borrower  covenants that (i) the credit or return of any Excess
shall  constitute the  acceptance by Borrower of such Excess,  and (ii) Borrower
shall not seek or pursue any other  remedy,  legal or  equitable,  against Bank,
based in whole or in part  upon  contracting  for,  charging  or  receiving  any
Interest in excess of the Maximum Rate. For the purpose of  determining  whether
or not any Excess has been  contracted  for,  charged or received  by Bank,  all
interest  at any time  contracted  for,  charged or  received  from  Borrower in
connection with this Agreement shall, to the extent permitted by Applicable Law,
be amortized,  prorated, allocated and spread in equal parts throughout the full
term  of the  Obligations.  Borrower  and  Bank  shall,  to the  maximum  extent
permitted under Applicable Law, (i) characterize any non-principal payment as an
expense,  fee or premium  rather than as  Interest  and (ii)  exclude  voluntary
prepayments  and the effects  thereof.  The  provisions of this Section shall be
deemed to be incorporated  into each Loan Document (whether or not any provision
of this Section is referred to therein).

      BORROWER  AND BANK  HEREBY  WAIVE ANY RIGHT TO TRIAL BY JURY ON ANY CLAIM,
COUNTERCLAIM, SETOFF, DEMAND, ACTION OR CAUSE OF ACTION (A) ARISING OUT OF OR IN
ANY WAY  PERTAINING  OR  RELATING  TO THIS NOTE,  THE LOAN  AGREEMENT,  ANY LOAN
DOCUMENT,  OR ANY OTHER INSTRUMENT,  DOCUMENT OR AGREEMENT EXECUTED OR DELIVERED
IN CONNECTION  WITH THIS NOTE OR (B) IN ANY WAY CONNECTED  WITH OR PERTAINING OR
RELATED TO OR INCIDENTAL  TO ANY DEALINGS OF THE PARTIES  HERETO WITH RESPECT TO
THIS NOTE,  THE LOAN  AGREEMENT,  ANY LOAN  DOCUMENT,  OR ANY OTHER  INSTRUMENT,
DOCUMENT  OR  AGREEMENT  EXECUTED  OR  DELIVERED  IN  CONNECTION  HEREWITH OR IN
CONNECTION WITH THE TRANSACTIONS  RELATED THERETO OR CONTEMPLATED THEREBY OR THE
EXERCISE  OF  EITHER  PARTY'S  RIGHTS  AND  REMEDIES  THEREUNDER,  IN ALL OF THE
FOREGOING CASES WHETHER NOW EXISTING OR HEREAFTER ARISING,  AND WHETHER SOUNDING
IN CONTRACT,  TORT OR OTHERWISE.  BORROWER AND BANK AGREE THAT EITHER OR BOTH OF
THEM MAY FILE A COPY OF THIS PARAGRAPH WITH ANY COURT AS WRITTEN EVIDENCE OF THE
KNOWING,  VOLUNTARY AND BARGAINED  AGREEMENT BETWEEN THE PARTIES  IRREVOCABLY TO
WAIVE TRIAL BY JURY, AND THAT ANY DISPUTE OR CONTROVERSY WHATSOEVER BETWEEN THEM
SHALL INSTEAD BE TRIED IN A COURT OF COMPETENT  JURISDICTION  BY A JUDGE SITTING
WITHOUT A JURY.

      The Bank shall not by any act, delay,  omission, or otherwise be deemed to
have  waived any of its rights or  remedies,  and no waiver of any kind shall be
valid  unless in writing and signed by the Bank.  All rights and remedies of the
Bank under the terms of this note and under applicable  statutes or rules of law

                                       3
      ___________ initials
<PAGE>

shall be  cumulative  and may be exercised  successively  or  concurrently.  The
Borrower  agrees that there are no defenses,  equities or set offs in respect to
the  obligations  set forth herein.  The  obligations of the Borrower  hereunder
shall be binding upon and  enforceable  against the  Borrower's  successors  and
assigns.  The obligations of each person named as Borrower herein shall be joint
and several obligations of all such persons. This note shall be governed by, and
construed in accordance with, the laws of the State of Alabama. Any provision in
this  note  which  may be  unenforceable  or  invalid  under  any law  shall  be
ineffective  to the  extent  of  such  unenforceability  or  invalidity  without
affecting the  enforceability  or validity of any other  provision  hereof.  Any
notice required to be given shall be deemed given if mailed, postage prepaid, to
the Borrower at the address set forth in the Loan Agreement.

      IN WITNESS  WHEREOF,  the  undersigned  has caused this  instrument  to be
executed by its duly authorized officer and its corporate seal affixed as of the
_______________ day of October, 2000.

                                    American Micro Computer Center, Inc.,
                                    a Florida corporation

                                    By:
                                        --------------------------------------
                                    Its:
                                         -------------------------------------

ATTEST:

------------------------------
Its:
     -------------------------

                                       4
      ___________ initialsEXHIBIT 10.27
                                  -------------

SouthTrust
         Guaranty Agreement
SouthTrust Bank
ST Cap Fundssm

GUARANTOR:                                           SECURED PARTY:
[Last Name(s) first, if individual]

Harry D. Shields                                     SouthTrust Bank
Post Office Box 2554
Birmingham, Alabama 35290
Attn: Asset Based Lending Department
City              County            State   Zip

         THIS AGREEMENT made this            day of October, 2000 by the above
named Guarantor (the "Guarantor"); to SOUTHTRUST BANK (the "Bank").

         R E C I T A L S

         American Micro Computer Center, Inc., a Florida corporation, (the
"Borrower"), has requested that the Bank loan to Borrower the sum of One Million
Five Hundred Thousand Dollars ($1,500,000), (the "Loan"), to be evidenced by one
or more Promissory Notes (the "Promissory Notes") payable by Borrower to Bank
according to their respective terms, and such other documents and instruments as
are more particularly described in the Promissory Notes, and secured by the Loan
Agreement of even date herewith between Borrower and Bank (the "Loan Agreement")
and by the Loan Documents, security agreements and other collateral documents
referred to in the Promissory Notes and in the Loan Agreement. Capitalized terms
used herein and not otherwise defined shall have the respective meanings
ascribed to them in the Loan Agreement. Said definitions shall continue to be
applicable to this Guaranty Agreement notwithstanding payment of the Loan or
termination of the Loan Agreement for any other reason. As a condition to making
the Loan, the Bank has required that the Guarantor guarantee the Loan and
certain other obligations of Borrower, on the terms and conditions set forth
herein. Guarantor is a shareholder or affiliate of Borrower.

         AGREEMENT

         NOW, THEREFORE, in consideration of the foregoing recitals, as an
inducement to the Bank to make the Loan to Borrower, and as security for the
Obligations (as defined in the Loan Agreement), including, but not limited to
(a) the payment of the principal, interest and other charges pursuant to the
Promissory Note(s) evidencing the Loan (as the same may hereafter be extended,
renewed, modified, or amended), (b) the payment of all expenses, charges and
other amounts from time to time owing to Bank pursuant to the Promissory Notes,
the Loan Agreement, and the other Loan Documents and (c) the performance of all
covenants, agreements and other obligations from time to time owing to, or for
the benefit of, Lender pursuant to the Loan Documents, the Guarantor agrees,
covenants and represents as follows:

         1.  Guarantor hereby unconditionally guarantees to the Bank the due,
regular and punctual payment and performance of the Obligations, together with
any other sum or sums of money which any Borrower now owes the Bank or from time
to time hereafter shall owe the Bank, whether evidenced by notes or other

<PAGE>

instruments, or by open account or otherwise, and whether it represents an
original balance, a balance reduced by part payment, or a deficiency after sale
of collateral, an extension or renewal of an original debt, or otherwise in
connection with the Loan. The Guarantor hereby further guarantees the due,
regular and punctual payment and prompt performance of any other debt or
obligation of any kind or character of any Borrower to the Bank. Without
limiting the foregoing, the Guarantor guarantees the obligations of any
Borrower, as provided in the Loan Agreement and the Loan Documents to indemnify
and to save the Bank harmless from the occurrences set forth in Article XI of
said Agreement. Notwithstanding any other provision of this Agreement, the
Guarantor agrees that its guaranty of the obligations described in the preceding
sentence shall survive indefinitely and shall not be extinguished by payment in
full of the Obligations or foreclosure by the Bank under the Loan Agreement and
the Loan Documents or exercise of any other rights under said documents.
Further, the Guarantor guarantees the payment of all costs, attorney fees or
expenses which may be incurred by the Bank by reason of an Event of Default
under the Loan Agreement or a default of any Borrower under any other
Obligations.

         In the event of an Event of Default under the Loan Agreement or any
default by the Borrower in the payment or performance of any other Obligations,
the Guarantor unconditionally promises to pay to the Bank such amounts as are
necessary to cure the default, or, at the option of the Bank, the Guarantor
agrees to pay the entire indebtedness owed the Bank by the Borrower at the time
of default.

         This guaranty is an unconditional guaranty. Guarantor agrees that the
Bank, in the event of an Event of Default under the Loan Agreement or a payment
or performance default of the Borrower under any other Obligation, shall not be
required to assert any claim or cause of action against the Borrower or any
other guarantor before asserting any claim or cause of action against the
Guarantor under this Agreement. Furthermore, the Guarantor agrees that the Bank
shall not be required to pursue or foreclose on any collateral that it may
receive from the Borrower, the Guarantor or others as security for any
Obligations before making a claim or asserting a cause of action against the
Guarantor under this Agreement.

         The failure of the Bank to perfect any portion of its security
interest, or to maintain perfection of its security interest, in the collateral
as set forth in the Loan Agreement, the Loan Documents, or any other collateral
now or hereafter securing all or any part of the Obligations, shall not release
the Guarantor from its liabilities and obligations hereunder.

         Notice of acceptance of this Guaranty and of any default by the
Borrower is hereby waived by the Guarantor. Presentment, protest, demand, and
notice of protest and demand of any and all collateral, and of the exercise of
possessory remedies or foreclosure on any and all collateral received by the
Bank from the Borrower or the Guarantor are hereby waived. All settlements,
compromises, compositions, accounts stated and agreed balances in good faith
between any primary or second obligors on any accounts received as collateral
shall be binding upon the Guarantor.

         This guaranty shall not be affected, modified, or impaired by any sale
or other disposition (whether voluntary or pursuant to the exercise of a
purchase option or similar right) of any Guarantor's interest in the Borrower,
the voluntary or involuntary liquidation, dissolution, sale or other disposition
of all or substantially all of the assets, marshaling of assets and liabilities,
receivership, insolvency, bankruptcy, assignment for the benefit of creditors,
reorganization, arrangements, composition with creditors or readjustment of, or
other similar proceedings affecting the Borrower or the Guarantor or any other
guarantor, or any of the assets belonging to one or more of them, nor shall this
guaranty be affected, modified or impaired by the invalidity of the Promissory
Notes, the Loan Agreement, the Loan Documents, or any other document executed by
the Borrower or the Guarantor or any other guarantor in connection with the
Loan.

         Without notice to the Guarantor, without the consent of the Guarantor,
and without affecting or limiting the Guarantor's liability hereunder, the Bank
may:

                  (a)   grant the Borrower extensions of time for payment of the
Obligations or any part thereof;

                  (b)   renew any of the Obligations;

<PAGE>

                  (c)   grant the Borrower extensions of time for performance of
agreements or other indulgences;

                  (d)   at any time release any or all of the collateral held by
the Bank as security for the Obligations;

                  (e)   at any time release any one or more of the guarantors
from any guaranty existing with respect to the Obligations;

                  (f)   compromise, settle, release, or terminate any or all of
the obligations, covenants, or agreements of the Borrower under the Promissory
Notes, the Loan Agreement or any Loan Document; or

                  (g)   modify or amend any obligation, covenant or agreement of
the Borrower set forth in any one or more of the Promissory Notes or the Loan
Agreement.

         This guaranty shall not terminate and may not be terminated by the
Guarantor until such time as all Obligations, including any renewals or
extensions thereof, have been paid in full and such payments of the Obligations
have become final and are not subject to being refunded as a preference or
fraudulent transfer or rescinded under the Bankruptcy Code or other applicable
law. If any collateral secures this guaranty at any time, Bank shall not be
required to release such collateral unless and until Bank is satisfied that such
payments of the Obligations are not subject to refund or rescission.
Furthermore, to the extent the Loan Documents contain Obligations of Borrower
under which the terms of Loan Documents survive payment of the Loan, foreclosure
under the Loan Documents or receipt by Bank of a deed in lieu of foreclosure
(including any environmental indemnities with respect to the collateral
described in the Loan Documents), such Obligations are deemed guaranteed herein,
and the Guarantor's guaranty thereof shall likewise continue indefinitely
notwithstanding payment in full of all Obligations then outstanding. If this
instrument is returned to Guarantor or marked "canceled" or marked with words of
similar import, or if Bank shall issue any instrument of termination to any
Guarantor in connection herewith, such cancellation or termination by Bank shall
be deemed to be subject to the right of Bank to thereafter reinstate the
guarantees herein and enforce this guaranty against Guarantor for Obligations
(including such an environmental indemnity) which were either unknown or in an
unliquidated amount at the time of such return or cancellation.

         2.  The Guarantor represents and warrants to Bank and covenants with
Bank as follows:

                  (a)   Guarantor has full power and unrestricted right to enter
into this Agreement, to incur the obligations provided for herein, and to
execute and deliver the same to Bank, and that when executed and delivered, this
Agreement will constitute a valid and legally binding obligation of the
Guarantor, enforceable in accordance with its terms.

                  (b)   Its financial statements that have been furnished to the
Bank are complete and correct and fairly present its financial condition as of
the date or dates indicated. There has been no material adverse change in its
financial condition since the date of its most recent financial statement
furnished to the Bank.

         3.  The Guarantor covenants and agrees that so long as the Obligations
are outstanding, it will from time to time upon request, furnish to Bank such
information regarding the business, affairs and financial condition of the
Guarantor and its properties in such detail as the Bank may reasonably request,
including, without limitation, cash flow statements and supporting documentation
showing all income and expense of Guarantor, and copies of income tax returns of
Guarantor (which shall be submitted to Bank on an annual basis as the same
become available). Guarantor will furnish to the Bank, within ninety (90) days
after the end of each calendar year, a financial statement in form satisfactory
to the Bank prepared as of the end of the calendar year just ended. Guarantor
covenants that during the term hereof it will pay or cause to be paid as they
become due and payable all taxes, assessments and other governmental charges
lawfully levied or assessed or imposed upon it or its properties or any part
thereof or upon any income therefrom.

         4.  The Guarantor hereby agrees not to exercise any right of
subrogation, indemnification, or other right of contribution, recourse, or
reimbursement from the Borrower or any other right to payment from the Borrower

<PAGE>

arising out of or on account of any sums paid or agreed to be paid by the
Guarantor under this Agreement, whether any such right is reduced to judgment,
liquidated, unliquidated, fixed, contingent, matured, unmatured, disputed,
undisputed, secured or unsecured, until such time as the Obligations are
indefeasibly paid in full and not subject to being set aside by the order of a
bankruptcy court or other course of competent jurisdiction. Guarantor further
waives all rights in any collateral heretofore, now, or hereafter given to
Guarantor by Borrower to the extent the same may in any way impair or delay
Bank's ability to exercise its rights pursuant to this Agreement.

         5.  If Borrower is or shall hereafter be indebted to Bank for any
obligations, liability or indebtedness other than the Obligations, and Bank
should collect or receive any payments, funds or distributions which are not
specifically required, by law or agreement, to be applied to the Obligations,
Bank may, in its sole discretion, apply such payments, funds or distributions to
indebtedness of Borrower other than the Obligations.

         6.  This Agreement shall be binding upon, and inure to the benefit of,
the Guarantor, the Bank and their respective heirs, legal representatives,
successors and assigns.

         7.  The validity, interpretation, enforcement and effect of this
Agreement shall be governed by, and construed according to the laws of, the
State of Florida.

         8.  In the event that any provision hereof is deemed to be invalid by
reason of the operation of any law or by reason of the interpretation placed
thereon by any court, this Agreement shall be construed as not containing such
provisions and the invalidity of such provisions shall not affect other
provisions hereof which are otherwise lawful and valid and shall remain in full
force and effect.

         9.  Any notice or payment required hereunder or by reason of the
application of any law shall be deemed to have been duly given (a) if delivered
in person, (b) if mailed by certified or registered mail, postage prepaid,
return receipt requested, or (c) if sent by Federal Express or overnight United
States Mail or other national overnight carrier, and in each case addressed to
the parties hereto at their respective addresses set forth on the first page
hereof, or to such other address as either party hereto shall designate to the
other in a written notice, given as herein provided.

         10. The failure at any time or times hereafter to require strict
performance by the Guarantor of any of the provisions, warranties, terms and
conditions contained herein or in any other agreement, document or instrument
now or hereafter executed by the Guarantor and delivered to the Bank shall not
waive, affect or diminish any right of the Bank hereafter to demand strict
compliance or performance therewith and with respect to any other provisions,
warranties, terms and conditions contained in such agreements, documents and
instruments, and any waiver of any default shall not waive or affect any other
default, whether prior or subsequent thereto and whether of the same or a
different type. None of the warranties, conditions, provisions and terms
contained in this Agreement or in any agreement, document or instrument now or
hereafter executed by the Guarantor and delivered to the Bank shall be deemed to
have been waived by any act or knowledge of the Bank, its agents, officers or
employees, but only by an instrument in writing, signed by an officer of the
Bank, and directed to Guarantor specifying such waiver. 11. If, at any time or
times hereafter, the Bank employs counsel to advise or provide other
representation with respect to this Agreement or any other agreement, document
or instrument heretofore, now or hereafter executed by the Guarantor and
delivered to the Bank with respect to the Borrower or the Obligations or to
commence, defend or intervene, file a petition, complaint, answer, motion or
other pleadings or to take any other action in or with respect to any suit or
proceeding relating to this Agreement or any other agreement, instrument or
document heretofore, now or hereafter executed by the Guarantor and delivered to
the Bank with respect to the Borrower or the Obligations, then in any such
event, all of the attorneys' fees arising from such services and any expenses,
costs and charges relating thereto shall constitute additional obligations of
the Guarantor payable on demand.

         12. This Agreement constitutes the entire agreement and supersedes all
prior agreements and understandings, both oral and written, between the
Guarantor and the Bank with respect to the subject matter hereof. This Agreement
may be executed in any number of counterparts, each of which shall be deemed an
original, but such counterparts together shall constitute one and the same
instrument.

<PAGE>

         13. Any indebtedness of Borrower now or hereafter held by Guarantor is
hereby subordinated to the indebtedness of Borrower to Bank and such
indebtedness of Borrower to Guarantor if Bank so requests shall be collected,
enforced and received by Guarantor as trustee for Bank and be paid over to Bank
on account of the indebtedness of Borrower to Bank without reducing or affecting
in any manner the liability of Guarantor under the other provisions of this
guaranty.

         14. Guarantor and Bank hereby waive any right to trial by jury on any
claim, counterclaim, setoff, demand, action or cause of action (a) arising out
of or in any way pertaining or relating to this Agreement, the Loan Agreement,
the Loan Documents (as defined in the Loan Agreement), the Loan, the Promissory
Notes, and the Obligations, or any other instrument, document or agreement
executed or delivered in connection with said documents or transactions or (b)
in any way connected with or pertaining or related to or incidental to any
dealings of the parties hereto with respect to this Agreement, the Loan
Agreement, the Loan Documents (as defined in the Loan Agreement), the Loan, the
Promissory Notes, and the Obligations, or any other instrument, document or
agreement executed or delivered in connection herewith or in connection with the
transactions related thereto or contemplated thereby or the exercise of either
party's rights and remedies thereunder, in all of the foregoing cases whether
now existing or hereafter arising, and whether sounding in contract, tort or
otherwise. Guarantor and Bank agree that either or both of them may file a copy
of this paragraph with any court as written evidence of the knowing, voluntary
and bargained agreement between the parties irrevocably to waive trial by jury,
and that any dispute or controversy whatsoever between them shall instead be
tried in a court of competent jurisdiction by a judge sitting without a jury.

         IN WITNESS WHEREOF, the Guarantor has executed this Guaranty on the day
and year first above written.

Harry D. Shields

STATE OF                                    )
                                            )
COUNTY OF                                   )

         I, , a Notary Public in and for said County in said State, hereby
certify that Harry D. Shields, whose name is signed to the foregoing instrument,
and who is known to me, acknowledged before me on this day that, being informed
of the contents of such instrument, he executed the same voluntarily on the day
the same bears date.

         Given under my hand and seal, this _____ day of ___________, 2000.

                                                     NOTARY PUBLIC
(SEAL)

                                                     My Commission Expires:

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