Exhibit 10.29 LOAN AGREEMENT -------------- Between COPE, Inc. 360 N. Sepulveda Blvd., Suite 3050 El Segundo, CA 90245 USA And Adrian Knapp Oberseeburg 45 6006 Lucerne Adrian Knapp shall grant to COPE, Inc., a loan of Fr. 1.2 million (one point two...

                                                                   Exhibit 10.29


LOAN AGREEMENT
--------------

Between



COPE, Inc.
000 X. Xxxxxxxxx Xxxx., Xxxxx 0000
Xx Xxxxxxx, XX 00000
XXX

And

Xxxxxx Xxxxx
Xxxxxxxxxxx 00
0000 Xxxxxxx



Xxxxxx Xxxxx shall xxxxx to XXXX, Inc., a loan of Fr. 1.2 million (one point two
million francs) as of October 13, 1999, until further notice. The rate of
interest shall amount to 8.5% annually and shall be paid at the end of each
quarter starting on December 31, 1999.

The loan may be recalled in writing at any time, with a notice period of five
working days at month's end.



Lucerne, October 13, 1999


[signature]                              [signature]

COPE, Inc.                               Xxxxxx Xxxxx