Document:

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EXHIBIT 10.5

                               SECURITY AGREEMENT

         This Security Agreement, made as of the 13th day of December, 2002 is
entered into by and between Laurus Master Fund, Ltd. ("Laurus") and the
undersigned companies (each, a "Company").

         1. To secure the payment of all Obligations (as hereafter defined), the
Company hereby grants to Laurus a continuing security interest in all of the
following property now owned or at any time hereafter acquired by the Company,
or in which the Company now has or at any time in the future may acquire any
right, title or interest (the "Collateral"): all accounts (the "Accounts"),
inventory, equipment, goods, documents, instruments (including, without
limitation, promissory notes), contract rights, general intangibles (including,
without limitation, payment intangibles), chattel paper, supporting obligations,
investment property, letter-of-credit rights, trademarks and tradestyles in
which the Company now has or hereafter may acquire any right, title or interest,
all proceeds and products thereof (including, without limitation, proceeds of
insurance) and all additions, accessions and substitutions thereto or therefor.
Terms used in this paragraph which are defined in the Uniform Commercial Code as
enacted and in effect from time to time in the State of New York (the "Code")
are used herein as so defined in the Code.

         2. The term "Obligations" as used herein shall mean and include all
debts, liabilities and obligations owing by the Company to Laurus hereunder and
under the Guaranty (as amended, modified and supplemented from time to time, the
"Guaranty") dated as of the date hereof made by the Company in favor of Laurus
pursuant to which the Company guarantied to Laurus all of netGuru, Inc.'s
("NetGuru") Obligations to Laurus as such term is defined in the Security
Agreement dated as of the date hereof between NetGuru and Laurus (as the same
may be amended, modified and supplemented from time to time, the "NetGuru
Security Agreement") and by (b) NetGuru to Laurus whether under the NetGuru
Security Agreement, the Convertible Note dated as of the date hereof made by
NetGuru in favor of Laurus in the original principal amount of $2,000,000, as
amended, modified and supplemented from time to time or otherwise").

         3. The Company hereby warrants and covenants to Laurus that: (a) it is
a corporation validly existing, in good standing and formed under the laws of
their respective states of incorporation, as set forth on the signature page
hereto and it will provide Laurus thirty days prior written notice of any change
in its state of formation; (b) it is the lawful owner of the Collateral, and has
the sole right to grant a security interest therein and will defend the
Collateral against all claims and demands of all persons and entities; (c) it
will keep the Collateral free and clear of all attachments, levies, taxes,
liens, security interests and encumbrances of every kind and nature; (d) it will
not without Laurus' prior written consent, sell, exchange or otherwise dispose
of the Collateral or any of the Company's rights therein or permit any lien or
security interest to attach to same, except that created by this Agreement; (e)
it will allow Laurus and/or Laurus' representatives free access to and the right
of inspection of the Company's premises where the books and records relating to
the Collateral are located; (f) it hereby indemnifies and saves Laurus and the
Designated Agent harmless from all loss, costs, damage, liability and/or
expense, including reasonable attorneys' fees, that Laurus and the Designated
Agent may sustain or incur to enforce payment, performance or fulfillment of any
of the Obligations or in the enforcement of this Agreement or in the prosecution
or defense of any action or proceeding either against Laurus, the Designated
Agent or the Company concerning any matter growing out of or in connection with
this Agreement and/or any of the Obligations and/or any of the Collateral.

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         4. The Company shall be in default under this Agreement upon the
happening of any of the following events or conditions (each, a "Default"): (a)
it shall fail to pay when due or punctually perform any of the Obligations; (b)
any covenant, warranty, representation or statement made or furnished to Laurus
by the Company or on its behalf was false in any material respect when made or
furnished; (c) it shall fail to comply with any term or provision set forth in
this Agreement and such failure (to the extent not covered by any other clause
of this Section 4) shall remain uncured for a period of two (2) business days
after the date on which Laurus notified the Company of such failure; (d) a
default shall occur under the Note; and (e) an Event of Default shall have
occurred under and as defined in the netGuru Security Agreement.

         5. Upon the occurrence of any Event of Default and at any time
thereafter, Laurus may declare all Obligations immediately due and payable and
Laurus shall have the remedies of a secured party provided in the Uniform
Commercial Code as in effect in the State of New York, this Agreement and other
applicable law. Upon the occurrence of any Event of Default and at any time
thereafter, Laurus will have the right to take possession of the Collateral and
to maintain such possession on our premises or to remove the Collateral or any
part thereof to such other premises as you may desire, including, without
limitation, the right to contact account debtors liable in respect of the
Accounts for the purpose of engaging in collection activities with respect
thereto. Upon Laurus' request, the Company shall assemble the Collateral and
make it available to Laurus at a place designated by Laurus. If any notification
of intended disposition of any Collateral is required by law, such notification,
if mailed, shall be deemed properly and reasonably given if mailed at least ten
days before such disposition, postage prepaid, addressed to us either at our
address shown herein or at any address appearing on Laurus' records for the
Company. Any proceeds of any disposition of any of the Collateral shall be
applied by Laurus to the payment of all expenses in connection with the sale of
the Collateral, including reasonable attorneys' fees and other legal expenses
and disbursements and the reasonable expense of retaking, holding, preparing for
sale, selling, and the like, and any balance of such proceeds may be applied by
Laurus toward the payment of the Obligations in such order of application as
Laurus may elect, and the Company shall be liable for any deficiency.

         6. If the Company defaults in the performance or fulfillment of any of
the terms, conditions, promises, covenants, provisions or warranties on our part
to be performed or fulfilled under or pursuant to this Agreement, Laurus may, at
its sole option without waiving its right to enforce this Agreement according to
its terms, immediately or at any time thereafter and without notice to the
Company, perform or fulfill the same or cause the performance or fulfillment of
the same for the Company's account and at its sole cost and expense, and the
cost and expense thereof (including reasonable attorneys' fees) shall be added
to the Obligations and shall be payable on demand with interest thereon at the
highest rate permitted by law.

         7. The Company appoint Laurus, any of its officers, employees or any
other person or entity whom Laurus may designate as the Company's attorney, with
power to execute such documents in its behalf and to supply any omitted
information and correct patent errors in any documents executed by the Company
or on its behalf; to file financing statements against the Company covering the
Collateral; to sign our name on public records; and to do all other things
Laurus deem necessary to carry out this Agreement. The Company hereby ratifies
and approves all acts of the attorney and neither Laurus nor the attorney will
be liable for any acts of commission or omission, nor for any error of judgment
or mistake of fact or law. This power being coupled with an interest, is
irrevocable so long as any Obligations remains unpaid.

                                      -2-

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         8. No delay or failure on Laurus' part in exercising any right,
privilege or option hereunder shall operate as a waiver of such or of any other
right, privilege, remedy or option, and no waiver whatever shall be valid unless
in writing, signed by Laurus and then only to the extent therein set forth, and
no waiver by Laurus of any default shall operate as a waiver of any other
default or of the same default on a future occasion. Laurus' books and records
containing entries with respect to the Obligations shall be admissible in
evidence in any action or proceeding, shall be binding upon the Company for the
purpose of establishing the items therein set forth and shall constitute prima
facie proof thereof. Laurus shall have the right to enforce any one or more of
the remedies available to Laurus, successively, alternately or concurrently. The
Company agrees to join with Laurus in executing financing statements or other
instruments pursuant to the Code in form satisfactory to Laurus and in executing
such other documents or instruments as may be required or deemed necessary by
Laurus for purposes of affecting or continuing Laurus' security interest in the
Collateral.

         9. This Agreement shall be governed by and construed in accordance with
the laws of the State of New York and cannot be terminated orally. All of the
rights, remedies, options, privileges and elections given to Laurus hereunder
shall enure to the benefit of its successors and assigns. The term "Laurus" as
herein used shall include Laurus, any parent of Laurus, any of Laurus'
subsidiaries and any co-subsidiaries of its parent, whether now existing or
hereafter created or acquired, and all of the terms, conditions, promises,
covenants, provisions and warranties of this Agreement shall enure to the
benefit of and shall bind the representatives, successors and assigns of each of
the Company and them. Laurus and the Company hereby (a) waive any and all right
to trial by jury in litigation relating to this Agreement and the Company agrees
not to assert any counterclaim in such litigation, (b) submit to the
nonexclusive jurisdiction of the state and federal courts located in the State
of New York and (c) waive any objection Laurus or the Company may have as to the
bringing or maintaining of such action with any such court.

         10. All notices and other communications hereunder shall be deemed
given three (3) business days after delivered or deposited in the mails, first
class postage prepaid (provided, however, that notices given by telegram, telex
or telefax shall be deemed given when dispatched by telegram, telex or telefax,
as the case may be) and if to (a) us addressed as set forth beneath the
Company's name at the foot hereof unless the Company shall give notice in
writing of a different address or telefax number in the manner provided herein
and (b) Laurus, at the address set forth for Laurus on the last page of this
Agreement unless Laurus shall give the Company notice in writing of a different
address.

         11. No amendment, modification, termination, or waiver of any provision
of this Agreement shall in be effective unless the same shall be in writing and
signed by Laurus, and then such waiver or consent shall be effective only in the
specific instance and for the specific purpose for which given.

         12. No course of dealing between Laurus and the Company, nor any
failure or delay on Laurus' part in exercising any right, power, or remedy under
this Agreement shall operate as a waiver thereof; nor shall any single or
partial exercise of any such right, power, or remedy preclude any other or
further exercise thereof or the exercise of any other right, power, or remedy
under this Agreement. The rights and remedies provided in this Agreement and the
Note are cumulative, and are not exclusive of any other rights, powers,
privileges, or remedies, now or hereafter existing, at law or in equity or
otherwise. The Company hereby waives in favor of Laurus all suretyship defenses
and waive notice of (a) acceptance hereof and of all notices and demands of any
kind to which the Company may be entitled and (b) presentment to or demand of

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payment from anyone whomsoever liable upon the Accounts or the Obligations,
protest, notices of presentment, non-payment or protest and notice of any sale
of the Collateral or any default of any sort. The Company further waives (a)
notice of and hereby consent to any agreement or arrangements whatsoever with
Laurus or any one else and (b) all of the Company's rights of subrogation,
reimbursement, indemnity, exoneration, contribution or any other claim which any
of the Company or Laurus may now or hereafter have against any party liable for
the Obligations.

13. Any provision of this Agreement which is prohibited or unenforceable in any
jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining
provisions of this Agreement or affecting the validity or enforceability of such
provision in any other jurisdiction. In no event shall any payments hereunder
(if deemed interest under applicable law or regulation) exceed the maximum rate
permitted under applicable law or regulation. If any provision of this Agreement
is in contravention of any such law or regulation, then such provision shall be
deemed amended to provide for interest at said maximum rate and any excess
amount shall be applied to the Obligations in such order as Laurus shall elect.

PACSOFT INCORPORATED,                          NETGURU SYSTEMS, INC.
A Washington company                           A New Hampshire company

By:/S/Jyoti Chatterjee                         By:/s/ Jyoti Chatterjee
Name: JYOTI CHATTERJEE                         Name: JYOTI CHATTERJEE
Title: PRESIDENT                                     Title: PRESIDENT
Address: 22700, Savi Ranch Pkwy.               Address: 22700, Savi Ranch Pkwy.
Yorba Linda, CA 92887                          Yorba Linda, CA 92887

Telephone No.:(714) 974-2500                   Telephone No.: (714) 974-2500
Facsimile No.:(714) 974-4771                   Facsimile No.: (714) 974-4711

NETGURU CONSULTING, INC.                       E-DESTINATIONS, INC.
A New Hampshire company                        A California company

By:/S/Jyoti Chatterjee                         By:/s/ Jyoti Chatterjee
Name: JYOTI CHATTERJEE                         Name: JYOTI CHATTERJEE
Title: PRESIDENT                                     Title: PRESIDENT
Address: 22700, Savi Ranch Pkwy.               Address: 22700, Savi Ranch Pkwy.
Yorba Linda, CA 92887                          Yorba Linda, CA 92887

Telephone No.:(714) 974-2500                   Telephone No.: (714) 974-2500
Facsimile No.:(714) 974-4771                   Facsimile No.: (714) 974-4711

ALLEGRIA SOFTWARE, INC.                        R-CUBE TECHNOLOGIES, INC.
A California company                           A California company

By:/S/Jyoti Chatterjee                         By:/s/ Jyoti Chatterjee
Name: JYOTI CHATTERJEE                         Name: JYOTI CHATTERJEE
Title: PRESIDENT                                     Title: PRESIDENT
Address: 22700, Savi Ranch Pkwy.               Address: 22700, Savi Ranch Pkwy.
Yorba Linda, CA 92887                          Yorba Linda, CA 92887

Telephone No.:(714) 974-2500                   Telephone No.: (714) 974-2500
Facsimile No.:(714) 974-4771                   Facsimile No.: (714) 974-4711

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                               LAURUS MASTER FUND, LTD.

                               By:/s/ LAURUS MASTER FUND, LTD.
                               Name:
                               Title:

                               Address:  c/o Ironshore Corporate Services, Ltd.
                               P.O. Box 1234 G.T.
                               Queensgate House
                               South Church Street
                               Grand Cayman, Cayman Islands

                                      -5-<PAGE>
EXHIBIT 10.6

                                    GUARANTY
                                   (Corporate)

New York, New York                                             December 13, 2002

         FOR VALUE RECEIVED, and in consideration of note purchases from, loans
made or to be made or credit otherwise extended or to be extended by Laurus
Master Fund, Ltd. ("Laurus") to or for the account of netGuru, Inc. ("Debtor")
from time to time and at any time and for other good and valuable consideration
and to induce Laurus, in its discretion, to purchase such notes, make such loans
or extensions of credit and to make or grant such renewals, extensions, releases
of collateral or relinquishments of legal rights as Laurus may deem advisable,
the undersigned (and each of them if more than one, the liability under this
Guaranty being joint and several) (jointly and severally referred to as
"Guarantor" or "the undersigned") unconditionally guaranties to Laurus, its
successors, endorsees and assigns the prompt payment when due (whether by
acceleration or otherwise) of all present and future obligations and liabilities
of any and all kinds of Debtor to Laurus and of all instruments of any nature
evidencing or relating to any such obligations and liabilities upon which Debtor
or one or more parties and Debtor is or may become liable to Laurus, whether
incurred by Debtor as maker, endorser, drawer, acceptor, guarantor,
accommodation party or otherwise, and whether due or to become due, secured or
unsecured, absolute or contingent, joint or several, and however or whenever
acquired by Laurus, whether arising under, out of, or in connection with that
certain Convertible Note dated as of the date hereof made by Debtor in favor of
Laurus (as amended, modified, restated or supplemented from time to time, the
"Note") or any documents, instruments or agreements relating to or executed in
connection with the Note or any documents, instruments or agreements referred to
therein (together with the Note, as each may be amended, modified, restated or
supplemented from time to time, the "Documents"), or otherwise (all of which are
herein collectively referred to as the "Obligations"), and irrespective of the
genuineness, validity, regularity or enforceability of such Obligations, or of
any instrument evidencing any of the Obligations or of any collateral therefor
or of the existence or extent of such collateral, and irrespective of the
allowability, allowance or disallowance of any or all of the Obligations in any
case commenced by or against Debtor under Title 11, United States Code,
including, without limitation, obligations or indebtedness of Debtor for
post-petition interest, fees, costs and charges that would have accrued or been
added to the Obligations but for the commencement of such case. In furtherance
of the foregoing, the undersigned hereby agrees as follows:

         1. NO IMPAIRMENT. Laurus may at any time and from time to time, either
before or after the maturity thereof, without notice to or further consent of
the undersigned, extend the time of payment of, exchange or surrender any
collateral for, renew or extend any of the Obligations or increase or decrease
the interest rate thereon, and may also make any agreement with Debtor or with
any other party to or person liable on any of the Obligations, or interested
therein, for the extension, renewal, payment, compromise, discharge or release
thereof, in whole or in part, or for any modification of the terms thereof or of
any agreement between Laurus and Debtor or any such other party or person, or
make any election of rights Laurus may deem desirable under the United States
Bankruptcy Code, as amended, or any other federal or state bankruptcy,
reorganization, moratorium or insolvency law relating to or affecting the
enforcement of creditors' rights generally (any of the foregoing, an "Insolvency
Law") without in any way impairing or affecting this Guaranty. This instrument
shall be effective regardless of the subsequent incorporation, merger or
consolidation of Debtor, or any change in the composition, nature, personnel or
location of Debtor and shall extend to any successor entity to Debtor, including
a debtor in possession or the like under any Insolvency Law.

<PAGE>

         2. GUARANTY ABSOLUTE. The undersigned guarantees that the Obligations
will be paid strictly in accordance with the terms of the Note and/or any other
document, instrument or agreement creating or evidencing the Obligations,
regardless of any law, regulation or order now or hereafter in effect in any
jurisdiction affecting any of such terms or the rights of Debtor with respect
thereto. Guarantor hereby knowingly accepts the full range of risk encompassed
within a contract of "continuing guaranty" which risk includes the possibility
that Debtor will contract additional indebtedness for which Guarantor may be
liable hereunder after Debtor's financial condition or ability to pay its lawful
debts when they fall due has deteriorated, whether or not Debtor has properly
authorized incurring such additional indebtedness. The undersigned acknowledges
that (i) no oral representations, including any representations to extend credit
or provide other financial accommodations to Debtor, have been made by Laurus to
induce the undersigned to enter into this Guaranty and (ii) any extension of
credit to the Debtor shall be governed solely by the provisions of the
Documents. The liability of the undersigned under this Guaranty shall be
absolute and unconditional, in accordance with its terms, and shall remain in
full force and effect without regard to, and shall not be released, suspended,
discharged, terminated or otherwise affected by, any circumstance or occurrence
whatsoever, including, without limitation: (a) any waiver, indulgence, renewal,
extension, amendment or modification of or addition, consent or supplement to or
deletion from or any other action or inaction under or in respect of the
Documents or any other instruments or agreements relating to the Obligations or
any assignment or transfer of any thereof, (b) any lack of validity or
enforceability of any Loan Document or other documents, instruments or
agreements relating to the Obligations or any assignment or transfer of any
thereof, (c) any furnishing of any additional security to Laurus or its
assignees or any acceptance thereof or any release of any security by Laurus or
its assignees, (d) any limitation on any party's liability or obligation under
the Documents or any other documents, instruments or agreements relating to the
Obligations or any assignment or transfer of any thereof or any invalidity or
unenforceability, in whole or in part, of any such document, instrument or
agreement or any term thereof, (e) any bankruptcy, insolvency, reorganization,
composition, adjustment, dissolution, liquidation or other like proceeding
relating to Debtor, or any action taken with respect to this Guaranty by any
trustee or receiver, or by any court, in any such proceeding, whether or not the
undersigned shall have notice or knowledge of any of the foregoing, (f) any
exchange, release or nonperfection of any collateral, or any release, or
amendment or waiver of or consent to departure from any guaranty or security,
for all or any of the Obligations or (g) any other circumstance which might
otherwise constitute a defense available to, or a discharge of, the undersigned.
Any amounts due from the undersigned to Laurus shall bear interest until such
amounts are paid in full at the highest rate then applicable to the Obligations.
Obligations include post-petition interest whether or not allowed or allowable.

         3. WAIVERS. (a) This Guaranty is a guaranty of payment and not of
collection. Laurus shall be under no obligation to institute suit, exercise
rights or remedies or take any other action against Debtor or any other person
liable with respect to any of the Obligations or resort to any collateral
security held by it to secure any of the Obligations as a condition precedent to
the undersigned being obligated to perform as agreed herein and Guarantor hereby
waives any and all rights which it may have by statute or otherwise which would
require Laurus to do any of the foregoing. Guarantor further consents and agrees
that Laurus shall be under no obligation to marshal any assets in favor of
Guarantor, or against or in payment of any or all of the Obligations. The
undersigned hereby waives all suretyship defenses and any rights to interpose
any defense, counterclaim or offset of any nature and description which the

                                      -2-

<PAGE>

undersigned may have or which may exist between and among Laurus, Debtor and/or
the undersigned with respect to the undersigned's obligations under this
Guaranty, or which Debtor may assert on the underlying debt, including but not
limited to failure of consideration, breach of warranty, fraud, payment (other
than cash payment in full of the Obligations), statute of frauds, bankruptcy,
infancy, statute of limitations, accord and satisfaction, and usury.

                  (b) The undersigned further waives (i) notice of the
acceptance of this Guaranty, of the making of any such loans or extensions of
credit, and of all notices and demands of any kind to which the undersigned may
be entitled, including, without limitation, notice of adverse change in Debtor's
financial condition or of any other fact which might materially increase the
risk of the undersigned and (ii) presentment to or demand of payment from anyone
whomsoever liable upon any of the Obligations, protest, notices of presentment,
non-payment or protest and notice of any sale of collateral security or any
default of any sort.

                  (c) Notwithstanding any payment or payments made by the
undersigned hereunder, or any setoff or application of funds of the undersigned
by Laurus, the undersigned shall not be entitled to be subrogated to any of the
rights of Laurus against Debtor or against any collateral or guarantee or right
of offset held by Laurus for the payment of the Obligations, nor shall the
undersigned seek or be entitled to seek any contribution or reimbursement from
Debtor in respect of payments made by the undersigned hereunder, until all
amounts owing to Laurus by Debtor on account of the Obligations are paid in full
and the Documents have been terminated. If, notwithstanding the foregoing, any
amount shall be paid to the undersigned on account of such subrogation rights at
any time when all of the Obligations shall not have been paid in full and the
Documents shall not have been terminated, such amount shall be held by the
undersigned in trust for Laurus, segregated from other funds of the undersigned,
and shall forthwith upon, and in any event within two (2) business days of,
receipt by the undersigned, be turned over to Laurus in the exact form received
by the undersigned (duly endorsed by the undersigned to Laurus, if required), to
be applied against the Obligations, whether matured or unmatured, in such order
as Laurus may determine, subject to the provisions of the Documents. Any and all
present and future debts and obligations of Debtor to any of the undersigned are
hereby waived and postponed in favor of, and subordinated to the full payment
and performance of, all present and future debts and obligations of Debtor to
Laurus.

         4. SECURITY. All sums at any time to the credit of the undersigned and
any property of the undersigned in Laurus's possession or in the possession of
any bank, financial institution or other entity that directly or indirectly,
through one or more intermediaries, controls or is controlled by, or is under
common control with, Laurus (each such entity, an "Affiliate") shall be deemed
held by Laurus or such Affiliate, as the case may be, as security for any and
all of the undersigned's obligations to Laurus and to any Affiliate of Laurus,
no matter how or when arising and whether under this or any other instrument,
agreement or otherwise.

         5. REPRESENTATIONS AND WARRANTIES. The undersigned hereby represents
and warrants (all of which representations and warranties shall survive until
all Obligations are indefeasibly satisfied in full and the Documents have been
irrevocably terminated), that:

                  (a) CORPORATE STATUS. The undersigned is a corporation duly
         organized, validly existing and in good standing under the laws of the
         their respective states of incorporation and has full power, authority
         and legal right to own its property and assets and to transact the
         business in which it is engaged.

                                      -3-

<PAGE>

                  (b) AUTHORITY AND EXECUTION. The undersigned has full power,
         authority and legal right to execute and deliver, and to perform its
         obligations under, this Guaranty and has taken all necessary corporate
         and legal action to authorize the execution, delivery and performance
         of this Guaranty.

                  (c) LEGAL, VALID AND BINDING CHARACTER. This Guaranty
         constitutes the legal, valid and binding obligation of the undersigned
         enforceable in accordance with its terms, except as enforceability may
         be limited by applicable Insolvency Law.

                  (d) VIOLATIONS. The execution, delivery and performance of
         this Guaranty will not violate any requirement of law applicable to the
         undersigned or any material contract, agreement or instrument to which
         the undersigned is a party or by which the undersigned or any property
         of the undersigned is bound or result in the creation or imposition of
         any mortgage, lien or other encumbrance other than to Laurus on any of
         the property or assets of the undersigned pursuant to the provisions of
         any of the foregoing.

                  (e) CONSENTS OR APPROVALS. No consent of any other person or
         entity (including, without limitation, any creditor of the undersigned)
         and no consent, license, permit, approval or authorization of,
         exemption by, notice or report to, or registration, filing or
         declaration with, any governmental authority is required in connection
         with the execution, delivery, performance, validity or enforceability
         of this Guaranty.

                  (f) LITIGATION. No litigation, arbitration, investigation or
         administrative proceeding of or before any court, arbitrator or
         governmental authority, bureau or agency is currently pending or, to
         the best knowledge of the undersigned, threatened (i) with respect to
         this Guaranty or any of the transactions contemplated by this Guaranty
         or (ii) against or affecting the undersigned, or any of property or
         assets of the undersigned, which, if adversely determined, would have a
         material adverse effect on the business, operations, assets or
         condition, financial or otherwise, of the undersigned.

                  (g) FINANCIAL BENEFIT. The undersigned has derived or expects
         to derive a financial or other advantage from each and every loan,
         advance or extension of credit made under the Documents or other
         Obligation incurred by Debtor to Laurus.

         6. ACCELERATION. (a) If any breach of any covenant or condition or
other event of default shall occur and be continuing under any agreement made by
Debtor or the undersigned to Laurus, or either Debtor or the undersigned should
at any time become insolvent, or make a general assignment, or if a proceeding
in or under any Insolvency Law shall be filed or commenced by, or in respect of,
the undersigned, or if a notice of any lien, levy, or assessment is filed of
record with respect to any assets of the undersigned by the United States of
America or any department, agency, or instrumentality thereof, or if any taxes
or debts owing at any time or times hereafter to any one of them becomes a lien
or encumbrance upon any assets of the undersigned in Laurus's possession, or
otherwise, any and all Obligations shall for purposes hereof, at Laurus's
option, be deemed due and payable without notice notwithstanding that any such
Obligation is not then due and payable by Debtor.

                  (b) The undersigned will promptly notify Laurus of any default
by the undersigned in the performance or observance of any term or condition of
any agreement to which the undersigned is a party if the effect of such default
is to cause, or permit the holder of any obligation under such agreement to
cause, such obligation to become due prior to its stated maturity and, if such
an event occurs, Laurus shall have the right to accelerate the undersigned's
obligations hereunder.

                                      -4-

<PAGE>

         7. PAYMENTS FROM GUARANTOR. Laurus, in its sole and absolute
discretion, with or without notice to the undersigned, may apply on account of
the Obligations any payment from the undersigned or any other guarantor, or
amounts realized from any security for the Obligations, or may deposit any and
all such amounts realized in a non-interest bearing cash collateral deposit
account to be maintained as security for the Obligations.

         8. COSTS. The undersigned shall pay on demand, all costs, fees and
expenses (including expenses for legal services of every kind) relating or
incidental to the enforcement or protection of the rights of Laurus hereunder or
under any of the Obligations.

         9. NO TERMINATION. This is a continuing irrevocable guaranty and shall
remain in full force and effect and be binding upon the undersigned, and the
undersigned's successors and assigns, until all of the Obligations have been
paid in full and the Documents have been irrevocably terminated. If any of the
present or future Obligations are guarantied by persons, partnerships or
corporations in addition to the undersigned, the death, release or discharge in
whole or in part or the bankruptcy, merger, consolidation, incorporation,
liquidation or dissolution of one or more of them shall not discharge or affect
the liabilities of the undersigned under this Guaranty.

         10. RECAPTURE. Anything in this Guaranty to the contrary
notwithstanding, if Laurus receives any payment or payments on account of the
liabilities guaranteed hereby, which payment or payments or any part thereof are
subsequently invalidated, declared to be fraudulent or preferential, set aside
and/or required to be repaid to a trustee, receiver, or any other party under
any Insolvency Law, common law or equitable doctrine, then to the extent of any
sum not finally retained by Laurus, the undersigned's obligations to Laurus
shall be reinstated and this Guaranty shall remain in full force and effect (or
be reinstated) until payment shall have been made to Laurus, which payment shall
be due on demand.

         11. BOOKS AND RECORDS. The books and records of Laurus showing the
account between Laurus and Debtor shall be admissible in evidence in any action
or proceeding, shall be binding upon the undersigned for the purpose of
establishing the items therein set forth and shall constitute prima facie proof
thereof.

         12. NO WAIVER. No failure on the part of Laurus to exercise, and no
delay in exercising, any right, remedy or power hereunder shall operate as a
waiver thereof, nor shall any single or partial exercise by Laurus of any right,
remedy or power hereunder preclude any other or future exercise of any other
legal right, remedy or power. Each and every right, remedy and power hereby
granted to Laurus or allowed it by law or other agreement shall be cumulative
and not exclusive of any other, and may be exercised by Laurus at any time and
from time to time.

         13. WAIVER OF JURY TRIAL. THE UNDERSIGNED DOES HEREBY KNOWINGLY,
VOLUNTARILY AND INTENTIONALLY WAIVE THE RIGHT TO TRIAL BY JURY IN ANY ACTION OR
PROCEEDING BASED ON OR WITH RESPECT TO THIS GUARANTY OR ANY OF THE TRANSACTIONS
CONTEMPLATED HEREBY OR RELATING OR INCIDENTAL HERETO. THE UNDERSIGNED DOES
HEREBY CERTIFY THAT NO REPRESENTATIVE OR AGENT OF LAURUS HAS REPRESENTED,
EXPRESSLY OR OTHERWISE, THAT LAURUS WOULD NOT, IN THE EVENT OF LITIGATION, SEEK
TO ENFORCE THIS WAIVER OF RIGHT TO JURY TRIAL PROVISION.

                                      -5-

<PAGE>

         14. GOVERNING LAW; JURISDICTION; AMENDMENTS. THIS INSTRUMENT CANNOT BE
CHANGED OR TERMINATED ORALLY, AND SHALL BE GOVERNED, CONSTRUED AND INTERPRETED
AS TO VALIDITY, ENFORCEMENT AND IN ALL OTHER RESPECTS IN ACCORDANCE WITH THE
LAWS OF THE STATE OF NEW YORK. THE UNDERSIGNED EXPRESSLY CONSENTS TO THE
JURISDICTION AND VENUE OF THE SUPREME COURT OF THE STATE OF NEW YORK, COUNTY OF
NEW YORK, AND OF THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF
NEW YORK FOR ALL PURPOSES IN CONNECTION HEREWITH. ANY JUDICIAL PROCEEDING BY THE
UNDERSIGNED AGAINST LAURUS INVOLVING, DIRECTLY OR INDIRECTLY ANY MATTER OR CLAIM
IN ANY WAY ARISING OUT OF, RELATED TO OR CONNECTED HEREWITH SHALL BE BROUGHT
ONLY IN THE SUPREME COURT OF THE STATE OF NEW YORK, COUNTY OF NEW YORK OR THE
UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK. THE
UNDERSIGNED FURTHER CONSENTS THAT ANY SUMMONS, SUBPOENA OR OTHER PROCESS OR
PAPERS (INCLUDING, WITHOUT LIMITATION, ANY NOTICE OR MOTION OR OTHER APPLICATION
TO EITHER OF THE AFOREMENTIONED COURTS OR A JUDGE THEREOF) OR ANY NOTICE IN
CONNECTION WITH ANY PROCEEDINGS HEREUNDER, MAY BE SERVED INSIDE OR OUTSIDE OF
THE STATE OF NEW YORK OR THE SOUTHERN DISTRICT OF NEW YORK BY REGISTERED OR
CERTIFIED MAIL, RETURN RECEIPT REQUESTED, OR BY PERSONAL SERVICE PROVIDED A
REASONABLE TIME FOR APPEARANCE IS PERMITTED, OR IN SUCH OTHER MANNER AS MAY BE
PERMISSIBLE UNDER THE RULES OF SAID COURTS. THE UNDERSIGNED WAIVES ANY OBJECTION
TO JURISDICTION AND VENUE OF ANY ACTION INSTITUTED HEREON AND SHALL NOT ASSERT
ANY DEFENSE BASED ON LACK OF JURISDICTION OR VENUE OR BASED UPON FORUM NON
CONVENIENS.

         15. SEVERABILITY. To the extent permitted by applicable law, any
provision of this Guaranty which is prohibited or unenforceable in any
jurisdiction shall, as to such jurisdiction, be ineffective to the extent of
such prohibition or unenforceability without invalidating the remaining
provisions hereof, and any such prohibition or unenforceability in any
jurisdiction shall not invalidate or render unenforceable such provision in any
other jurisdiction.

         16. AMENDMENTS, WAIVERS. No amendment or waiver of any provision of
this Guaranty nor consent to any departure by the undersigned therefrom shall in
any event be effective unless the same shall be in writing executed by the
undersigned and Laurus.

         17. NOTICE. All notices, requests and demands to or upon the
undersigned, shall be in writing and shall be deemed to have been duly given or
made (a) when delivered, if by hand, (b) three (3) days after being sent,
postage prepaid, if by registered or certified mail, (c) when confirmed
electronically, if by facsimile, or (d) when delivered, if by a recognized
overnight delivery service in each event, to the numbers and/or address set
forth beneath the signature of the undersigned.

         18. SUCCESSORS. Laurus may, from time to time, without notice to the
undersigned, sell, assign, transfer or otherwise dispose of all or any part of
the Obligations and/or rights under this Guaranty. Without limiting the
generality of the foregoing, Laurus may assign, or grant participations to, one
or more banks, financial institutions or other entities all or any part of any
of the Obligations. In each such event, Laurus, its Affiliates and each and
every immediate and successive purchaser, assignee, transferee or holder of all
or any part of the Obligations shall have the right to enforce this Guaranty, by

                                      -6-

<PAGE>

legal action or otherwise, for its own benefit as fully as if such purchaser,
assignee, transferee or holder were herein by name specifically given such
right. Laurus shall have an unimpaired right to enforce this Guaranty for its
benefit with respect to that portion of the Obligations which Laurus has not
disposed of, sold, assigned, or otherwise transferred.

         19. RELEASE. Nothing except cash payment in full of the Obligations
shall release the undersigned from liability under this Guaranty.

         IN WITNESS WHEREOF, this Guaranty has been executed by the undersigned
this 13th day of December, 2002.

PACSOFT INCORPORATED                           NETGURU SYSTEMS, INC.

By:/S/Jyoti Chatterjee                         By:/s/ Jyoti Chatterjee
Name: JYOTI CHATTERJEE                         Name: JYOTI CHATTERJEE
Title: PRESIDENT                               Title: PRESIDENT
Address: 22700, Savi Ranch Pkwy.               Address: 22700, Savi Ranch Pkwy.
Yorba Linda, CA 92887                          Yorba Linda, CA 92887

Telephone No.:(714) 974-2500                   Telephone No.: (714) 974-2500
Facsimile No.:(714) 974-4771                   Facsimile No.: (714) 974-4711

NETGURU CONSULTING, INC.                       E-DESTINATIONS, INC.

By:/S/Jyoti Chatterjee                         By:/s/ Jyoti Chatterjee
Name: JYOTI CHATTERJEE                         Name: JYOTI CHATTERJEE
Title: PRESIDENT                               Title: PRESIDENT
Address: 22700, Savi Ranch Pkwy.               Address: 22700, Savi Ranch Pkwy.
Yorba Linda, CA 92887                          Yorba Linda, CA 92887

Telephone No.:(714) 974-2500                   Telephone No.: (714) 974-2500
Facsimile No.:(714) 974-4771                   Facsimile No.: (714) 974-4711

ALLEGRIA SOFTWARE, INC.                        R-CUBE TECHNOLOGIES, INC.

By:/S/Jyoti Chatterjee                         By:/s/ Jyoti Chatterjee
Name: JYOTI CHATTERJEE                         Name: JYOTI CHATTERJEE
Title: PRESIDENT                               Title: PRESIDENT
Address: 22700, Savi Ranch Pkwy.               Address: 22700, Savi Ranch Pkwy.
Yorba Linda, CA 92887                          Yorba Linda, CA 92887

Telephone No.:(714) 974-2500                   Telephone No.: (714) 974-2500
Facsimile No.:(714) 974-4771                   Facsimile No.: (714) 974-4711

                                      -7-

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