Continuing Guaranty - Unlimited
                             Guaranty of Payment

To Sterling Financial Services Co.

For valuable considerations, and to induce you to loan money and extend credit
in reliance hereon, I hereby guaranty, unconditionally, the payment, when due,
of each and every obligation, direct or contingent, now existing or hereafter
arising, owing to you or any of your affiliates by Cooperative Images, Inc.
and or Elective Investments, Inc., hereinafter individually and collectively
called the Borrower.

This guaranty is a continuing guaranty, and shall remain in force until
revoked by notice in writing to you, and revocation hereof shall not prejudice
your claim hereunder with respect to any obligation arising prior to
revocation.

This guaranty shall extend to and cover every extension or renewal of, and
every obligation accepted in substitution for any obligation guaranteed
hereby, and I shall be bound hereby irrespective of any collateral security
you may at any time hold.

I hereby waive notice of acceptance of this guaranty, and also presentment,
demand, protest and notice of dishonor of any note or other obligation hereby
guaranteed.

I hereby consent and agree that you may, without prejudice to any claim
against me hereunder, at any time, or from time to time,. in your discretion,
and without notice to me, (1) extend or change the time of payment, and the
manner, place or terms of payment of any obligation hereby guaranteed; (2)
exchange, release or surrender all or any collateral security which you may at
any time hold in connection with any obligation hereby guaranteed; (3) sell,
and yourself purchase, any such collateral at public or private sale or at any
 .broker's board, crediting net proceeds upon any obligation secured thereby;
and (4) settle or compromise with the Borrower, any obligation hereby
guaranteed, or subordinate the payment of any such obligation of the Borrower
or other person to the payment of any other debt which may be owing to you.

No delay on your part in exercising any right hereunder, or in taking any
action to collect or enforce payment of any obligation hereby guaranteed,
either as against the Borrower or any other person primarily or secondarily
liable with the Borrower, shall operate as a waiver of any such right or in
any manner prejudice your rights against me.

I agree that, if the maturity of any obligation hereby guaranteed is
accelerated, by bankruptcy or otherwise, as against the Borrower, such
maturity shall also be deemed accelerated for the purpose of this guaranty,
any without demand upon or notice to me.

As security for the performance of my obligations hereunder, I hereby give you
a general lien upon or right of setoff of, any balance of deposit account at
any time to my credit with you or any of your affiliates and any other of my
funds or assets at any time in your custody or control.
1
If the obligations of the Borrower are also guaranteed by any other person, by
continuing guaranty or by endorsement of any note by the Borrower or
otherwise, the obligation of such other person and my obligation hereunder
shall be deemed to be several; and the release by you of any such other
guarantor , or settlement with him, or the revocation or impairment of his
guaranty, shall not operate to prejudice your rights against me hereunder.

In witness whereof, have hereunto set my hand seal as of June 26, 1998.

                                                  Gerard A. Powell

State of

County of

On June 21st 1998, before me, the subscriber, a notary public of the State of
PA., personally appeared Gerard A. Powell who, I am satisfied is the person
who signed this Guaranty; and I having first made known to him the contents
thereof, he-acknowledged that he signed, sealed, and delivered the same as his
voluntary act and deed for the uses and purposes therein expressed.

                                                  Notary Public

                                                  Notarial seat
                                              /S/ F Rogers Notary Public
                                    Middle Smithfield Twp. Monroe County
                                     My commission Expires Jan. 10, 2000
                            Member, Pennsylvania Association of Notaries