text: **(13) Credit Facility**
  
  On June 28, 2000 the Company entered into an unsecured revolving credit agreement (the “Credit Agreement”) providing a facility of up to 
  $4.0 million from three shareholders as follows: DST Systems in the amount of $2.4 million; Hungarian-American Enterprise Fund in the 
  amount of $1.0 million; and Michael J. Brown in the amount of $600,000. The facility was available to be drawn upon until December 28, 
  2000, and repayment of any draws was due June 28, 2001. On December 28, 2000 the facility was amended and renewed for a further six 
  months and is available to be drawn until June 28, 2001 with repayment of any draws being due December 28, 2001. Draws on the facility 
  will accrue interest at 10 percent per annum, payable quart e r l y. A “commitment” fee was paid for the initial facility of 100,000 warr a n t s 
  issued pro-rata to the lenders with a warrant strike price set at the average share price, as quoted on NASDAQ for 10 trading days prior to 
  the warrant issue date, less 10 percent. An additional fee of 100,000 warrants, on the same terms, was paid for the subsequent extension of 
  the facility. Wa rrants are to be issued on similar terms and conditions for each draw on the facility at the rate of 80,000 warrants for each 
  $1.0 million of funds drawn. As of March 1, 2001, the Company had not made any draws under the Credit Agreement. 