Exhibit 10.4 COLLATERAL LOAN AGREEMENT AND PROMISSORY NOTE This Collateral Loan Agreement and Promissory Note [the "Agreement"] is entered into, as of the date last entered below, between Mercatus & Partners Ltd. [the "Lender"], a Cardiff, Wales...Collateral Loan Agreement • June 25th, 2003 • Dialog Group Inc • Perfumes, cosmetics & other toilet preparations • Cardiff
