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                                                                    EXHIBIT 10.4

                            REVOLVING PROMISSORY NOTE

$500,000                                                     Evansville, Indiana
                                                                January 18, 2000

                  For Value Received, BAYFRONT VENTURES, a Florida General
Partnership (the "Borrower"), promises to pay to the order of The National City
Bank of Evansville, a national banking association (the "Bank") at its main
office in Evansville, Indiana, or at such other place as Bank may from time to
time designate in writing, on March 1, 2001, in lawful money of the United
States of America, the principal sum of Five Hundred Thousand and no/100 Dollars
($500,000), or so much thereof as remains unpaid (hereinafter the "Principal
Balance") as may be evidenced by the Bank's liability ledger record on such
date, together with interest on the Principal Balance remaining unpaid from time
to time, from the date hereof until full payment hereof, at the rate per annum
hereinafter specified, all in accordance with the terms hereinafter set forth.

                  This Note has a variable interest rate feature. Interest on
the Note may change if the Index Rate (as hereinafter defined) changes. The
Index Rate for this Note shall be the Wall Street Journal Prime Rate plus one
percent. Interest on the outstanding Principal Balance shall be computed on the
basis of actual days elapsed in a year of 360 days. Any change in the interest
rate resulting from a change in the Index Rate shall be effective on the day the
corresponding change is published in the Wall Street Journal. Borrower shall
make interest payments monthly. Interest accruing on the Principal Balance
during each calendar month shall be due and payable on the 10th day of the next
succeeding month, commencing on February 10, 2000 and continuing on the 10th day
of each and every month thereafter until paid in full. The entire remaining
Principal Balance and all accrued interest thereon shall be paid in full on
March 1, 2001.

                  The Bank shall send to the Borrower on the last day of each
month a statement showing the principal actually advanced and unpaid and
interest on such advanced and unpaid principal, as reflected by the Bank's
liability ledger record for the Borrower for such month. The Bank's liability
ledger record shall be presumed accurate until the contrary is established by
the Borrower. The statement shall be in the form of a demand interest bill, and
shall be deemed to be correct and accepted and conclusively binding upon the
Borrower unless the Borrower notifies the Bank in writing of any error the
Borrower contends is contained in such statement within thirty days after its
receipt.

                  This Note is issued pursuant to a certain Loan Agreement dated
January 18, 2000, between the Borrower and the Bank (the "Loan Agreement").
Under the Loan Agreement the Borrower may borrow, subject to the terms thereof,
from the Bank and may repay and reborrow all or any part of said amount from
time to time so long as the outstanding Principal Balance hereof never exceeds
$500,000. This Note shall evidence each and every such borrowing.

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                  So long as the Bank remains obligated to make advances to the
Borrower pursuant to the Loan Agreement, the liability of the Borrower hereunder
cannot be discharged by repayment of any or all advances made by the Bank to the
Borrower.

                  If any Event of Default occurs under the Loan Agreement, the
holder hereof may, at its option, by notice in writing to the Borrower, declare
immediately due and payable the entire Principal Balance on this Note then
outstanding and all interest thereon and the same shall be immediately due and
payable without further notice or demand.

                  The Borrower hereby waives presentment, protest and notice of
nonpayment and dishonor and agrees to pay all costs of collection, including
reasonable attorneys' fees, in case any payment shall not be made in accordance
with the provisions of this Note.

                  This Note shall be governed by the laws of the State of
Indiana.

                                    BAYFRONT VENTURES

                                    By Concorde Cruises, Inc.
                                       Its General Partner

                                    By
                                      -----------------------------------------
                                      Its President

                                    and by

                                    GOLDCOAST ENTERTAINMENT CRUISES, INC.,
                                      Its General Partner

                                    By
                                      -----------------------------------------
                                      Its President

                                       2<PAGE>   1
                                                                    EXHIBIT 10.5

                                    GUARANTY

                  This Guaranty is made as of the 18th day of January, 2000, by
PRINCESA PARTNERS, a Florida general partnership for the benefit of the National
City Bank of Evansville (the "Lender").

                  Bayfront Ventures, a Florida general partnership (the
"Borrower"), and the Lender have entered into a Loan Agreement of even date
herewith (together with all amendments, modifications and restatements of such
Agreement, the "Loan Agreement") setting forth the terms on which the Lender
will make certain advances to the Borrower, the proceeds of which will be used
by the Borrower for Borrower's general business purposes.

                  As a condition to making their advances under the Loan
Agreement, the Lender has required the execution and delivery of this Guaranty.

                  The Guarantor is an affiliate of Borrower. Guarantor is
dependant upon Borrower for a significant portion of it's revenue. The line of
credit outlined in the Loan Agreement is important and necessary for Borrower's
to continue to conduct it's business. Therefore, Guarantor accordingly expects
to receive direct economic benefits from the advances under the Loan Agreement.

                  ACCORDINGLY, the Guarantor, in consideration of the premises
and other good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, hereby agrees as follows:

                  1. All terms defined in the Loan Agreement that are not
otherwise defined herein shall have the meanings given them in the Loan
Agreement.

                  2. The Guarantor hereby absolutely and unconditionally
guarantees to the Lender the full and prompt payment when due, whether at
maturity or earlier by reason of acceleration or otherwise, of (i) the Note,
including all interest thereon, and any extensions or renewals thereof and
substitutions therefor; and (ii) each and every other sum now or hereafter owing
to the Lender under the Loan Agreement or any other Loan Documents or under any
other promissory notes or agreements hereafter entered into by the Borrower (all
of said sums being hereinafter called the "Obligations").

                  3. The Guarantor will pay all reasonable costs, expenses and
attorneys' fees paid or incurred by the Lender in endeavoring to collect the
Obligations and in enforcing this Guaranty.

                  4. No act or thing need occur to establish the liability of
the Guarantor hereunder, and with the exception of full payment, no act or thing
(including, but not limited to, a discharge in bankruptcy of the Obligations,
and/or the running of the statute of limitations) relating to the Obligations
which but for this provision could act as a release of the liabilities of the
Guarantor hereunder, shall in any way exonerate the Guarantor, or affect,
impair, reduce or release this Guaranty and the liability of the Guarantor
hereunder; and this shall be a continuing, absolute and unconditional guaranty
and shall be in force and be binding upon the Guarantor until the Obligations
are fully paid.

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                  5. The liability of the Guarantor hereunder shall not be
affected or impaired in any way by any of the following acts or things (which
the Lender is hereby expressly authorized to do, omit or suffer from time to
time without notice to or consent of anyone): (i) any acceptance of collateral
security, guarantors, accommodation parties or sureties for any or all
Obligations; (ii) any extensions or renewal of any Obligations (whether or not
for longer than the original period) or any modification of the interest rate,
maturity or other terms of any Obligations; (iii) any waiver or indulgence
granted to the Borrower, any delay or lack of diligence in the enforcement of
any Notes or any other Obligations; (iv) any full or partial release of,
compromise or settlement with, or agreement not to sue, the Borrower or any
other guarantor or other person liable on any Obligations; (v) any release,
surrender, cancellation or other discharge of any Obligations or the acceptance
of any instrument in renewal or substitution for any instrument evidencing
Obligations; (vi) any failure to obtain collateral security (including rights of
setoff) for any Obligations, or to see to the proper or sufficient creation and
perfection thereof, or to establish the priority thereof, or to preserve,
protect, insure, care for, exercise or enforce any collateral security for any
of the Obligations; (vii) any modification, alteration, substitution, exchange,
surrender, cancellation, termination, release or other change, impairment,
limitation, loss or discharge of any collateral security for any of the
Obligations; (viii) any assignment, sale, pledge or other transfer of any of the
Obligations; or (ix) any manner, order or method of application of any payments
or credits on any Obligations. The Guarantor waives any and all defenses and
discharges available to a surety, guarantor, or accommodation co-obligor,
dependent on its character as such.

                  6. The Guarantor waives any and all defenses, claims, setoffs
and discharges of the Borrower, or any other obligor, pertaining to the
Obligations, except the defense of discharge by payment in full. Without
limiting the generality of the foregoing, the Guarantor will not assert against
the Lender any defense of waiver, release, discharge in bankruptcy, statute of
limitations, res judicata, statute of frauds, anti-deficiency statute, fraud,
ultra vires acts, usury, illegality or unenforceability which may be available
to the Borrower in respect of the Obligations, or any setoff available against
the Lender to the Borrower, whether or not on account of a related transaction,
and the Guarantor expressly agrees that it shall be and remain liable for any
deficiency remaining after foreclosure of any security interest securing any
Obligations, notwithstanding provisions of law that may prevent the Lender from
enforcing such deficiency against the Borrower. The liability of the Guarantor
shall not be affected or impaired by any voluntary or involuntary liquidation,
dissolution, sale or other disposition of all or substantially all the assets,
marshaling of assets and liabilities, receivership, insolvency, bankruptcy,
assignment for the benefit of creditors, reorganization, arrangement,
composition or readjustment of, or other similar event or proceeding affecting,
the Borrower or any of the Borrower's assets. The Guarantor will not assert
against the Lender any claim, defense or setoff available to the Guarantor
against the Borrower.

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                  7. The Guarantor also hereby waives: (i) presentment, demand
for payment, notice of dishonor or nonpayment, and protest of the Obligations;
(ii) notice of the acceptance hereof by the Lender and of the creation and
existence of all Obligations; and (iii) notice of any amendment to or
modification of any of the terms and provisions of any Loan Documents. The
Lender shall not be required to first resort for payment of the Obligations to
the Borrower or any other persons or corporations, their properties or estates,
or to any collateral, property, liens or other rights or remedies whatsoever.

                  8. Whenever, at any time or from time to time, the Guarantor
shall make any payment to the Lender hereunder, the Guarantor shall notify the
Lender in writing that such payment is made under this Guaranty for such
purpose. If any payment applied by the Lender to the Obligations is thereafter
set aside, recovered, rescinded or required to be returned for any reason
(including, without limitation, the bankruptcy, insolvency or reorganization of
the Borrower or any other obligor), the Obligations to which such payment was
applied shall for the purposes of this Guaranty be deemed to have continued in
existence, notwithstanding such application, and this Guaranty shall be
enforceable as to such Obligations as fully as if such application had never
been made.

                  9. No payment by the Guarantor pursuant to any provision
hereof shall entitle the Guarantor, by subrogation to the rights of the Lender
or otherwise, to any payment by the Borrower or out of the property of the
Borrower until all of the Obligations (including interest) and all reasonable
costs, expenses and attorneys' fees paid or incurred by the Lender in
endeavoring to collect the Obligations and enforcing this Guaranty have been
fully paid. The Guarantor will not exercise or enforce any right of
contribution, reimbursement, recourse or subrogation available to the Guarantor
as to any Obligations, or against any person liable therefor, or as to any
collateral security therefor, unless and until all such Obligations shall have
been fully paid and discharged.

                  10. This Guaranty shall constitute a continuing and
irrevocable Guaranty, and the Lender may continue, without notice to or consent
by the Guarantor, to make loans and extend other credit or financial
accommodation to or for the account of the Borrower in reliance upon this
Guaranty until written notice of revocation of this Guaranty shall have been
received by the Lender from the Guarantor. Any such notice of revocation shall
not affect this Guaranty in relation to any Obligations then existing or created
thereafter pursuant to any previous commitment of the Lender to the Borrower, or
any extensions or renewals of any such Obligations, and as to all such
Obligations and extensions or renewals thereof, this Guaranty shall continue
effective until the same have been fully paid with interest.

                  11. This Guaranty shall be binding upon the successors and
assigns of the Guarantor, and shall inure to the benefit of the successors and
assigns of the Lender.

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                  12. The Guarantor irrevocably (i) agrees that any suit, action
or other legal proceeding arising out of or relating to this Guaranty may be
brought in a court of record in the State of Indiana or in the Courts of the
United States located in such State, (ii) consents to the jurisdiction of each
such court in any suit, action or proceeding, (iii) waives any objection which
it may have to the laying of venue of any such suit, action or proceeding in any
such courts and any claim that any such suit, action or proceeding has been
brought in an inconvenient forum, and (iv) agrees that a final judgment in any
such suit, action or proceeding shall be conclusive and may be enforced in other
jurisdictions by suit on the judgment or in any other manner provided by law.

                  13. THE GUARANTOR HEREBY IRREVOCABLY WAIVES ALL RIGHTS TO
TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM ARISING OUT OF, BASED ON
OR PERTAINING TO THIS GUARANTY OR ANY OTHER RELATED LOAN DOCUMENT TO WHICH THE
GUARANTOR IS A PARTY.

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

                                    PRINCESA PARTNERS

                                    CONAMI, Inc., It's General Partner

                                    By
                                      ------------------------------------------
                                      Its President

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