Exhibit 10.2C

                               SECURITY AGREEMENT

      THIS AGREEMENT, made as of the 16th day of February, 2000 by and between
(hereafter referred to as the "Company" or the "Debtor") LCS GOLF, INC. ,a
Delaware corporation, having an address at 24 East 12th Street, New York, New
York 10003 and QUINTEL COMMUNICATIONS, INC., a Delaware corporation, having an
address at One Blue Hill Plaza, Pearl River, New York 10965 (hereafter referred
to as the "Secured Party").

                                   BACKGROUND

A. Concurrently herewith, Debtor has borrowed $500,000.00 from Secured Party
pursuant to a Loan Agreement between the Company and the Secured Party of even
date herewith (the "Loan Agreement"), and which borrowing is evidenced by the
Company's convertible promissory note of even date herewith (the "Note"). The
Company and the Secured Party are also parties to a license agreement of even
date herewith (the "License Agreement") pursuant to which the Company has given
the Secured Party the option to license the Company's Database (as defined
below).

B. In order to secure the obligations of the Company under the Note, the Loan
Agreement, and the License Agreement, the Company desires, by the execution and
delivery of this Agreement, to grant to the Secured Party on the terms and
conditions contained herein, a valid and enforceable lien on and security
interest in the collateral described herein as security for the due performance
and the payment of the amounts due under the Note and the obligations described
in this Agreement.

1 GRANT OF SECURITY INTEREST.

1.1 Grant of Security interest. Debtor hereby grants to Secured Party a
continuing security interest in order to secure the obligations of Debtor to pay
the Obligations, as such term is defined in Section 1.2 below.

      1.1.1 "Database" means all of the information (including but not limited
            to, names, telephone numbers, street or post office addresses,
            e-mail addresses, purchase and order records, customer inquiry
            records and records of responses to Company questionnaires)
            contained in the Company's Records regarding all Persons who are
            customers of or who have otherwise contacted the Company by any
            means, including by means of the Company's internet web-sites.

      1.1.2 "Records" means all files, data and all other information expressed
            in print or through other means of expression or stored in any form
            of media, and includes, but is not limited to, printed documents;
            information stored by means of computer hardware or software;
            information stored on computer storage disks, tapes, the internet or
            any other forms of data storage now or hereafter in existence.

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1.2 Obligations Secured; Future Advances. The Database and all contracts,
contract rights and general intangibles of the Company relating to or necessary
in order to use the Database, together with any and all replacements and any
proceeds, whether cash or non-cash, of all of the foregoing shall be referred to
as the "Collateral".

The Collateral constitutes and will constitute security for the payment as and
when due of all indebtedness and the performance of all obligations under the
Note, the Loan Agreement, the License Agreement and this Agreement, and for the
payment of costs, fees, charges, and expenses which may be due or owing in
connection therewith, all of which shall be and remain additional liens on the
Collateral until each and all of the same have been filly paid, satisfied, and
discharged. Hereafter all of the payment and performance obligations described
in this paragraph shall be referred to collectively as the "Obligations".

2 COVENANTS.

2.1 Debtor's Covenants. Debtor covenants that it will perform the obligations
contained in each of the following paragraphs in accordance with the terms and
conditions thereof.

      2.1.1 Further Assurances. Debtor shall execute and deliver to Secured
            Party from time to time, at Secured Party's request, such documents
            and instruments, including financing statements and continuation
            statements, and take such action, as Secured Party may deem
            necessary or proper to perfect or otherwise protect the security
            interests created hereby.

      2.1.2 Defense of Security Interest. Debtor shall appear in and defend,
            without cost to Secured Party, any action or proceeding purporting
            to affect the security interest hereunder or the rights or powers of
            Secured Party and, when requested by Secured Party, shall commence
            and maintain any action or proceeding necessary to protect such
            security interest and such rights or powers, and to pay all the
            costs and expenses, including without limitation attorneys, fees,
            which Secured Party may incur in the event that Secured Party elects
            to appear in, defend or commence and maintain any such action or
            proceeding.

      2.1.3 Payment of Secured Party's Expenses. The Debtor shall pay,
            immediately and without demand, all suns expended by Secured Party
            in the enforcement and protection of Secured Party's rights pursuant
            to this instrument, including without limitation attorney's fees and
            disbursements, with interest from date of expenditure at the rate
            equal to nine percent per annum. All such sums expended shall be a
            lien on the Collateral and shall be deemed to be secured hereby.

      2.1.4 Execution of Financing Statements. Debtor authorizes the Secured
            Party to sign and file financing statements and continuation
            statements evidencing the security interest granted under this
            Agreement without the Debtor's signature as permitted by applicable
            law.


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      2.1.5 Delivery of Database. Concurrently herewith Debtor has delivered to
            the Secured Party a copy of the Database via e-mail at the e-mail
            address specified by Secured Party attached to the e-mail as a
            compressed file containing all of the information in the Database
            (the "Attached File") in a compression format compatible with
            Secured Party's computer equipment, and until the Obligations are
            paid in full, such Attached File shall be updated monthly within
            seven (7) days after the end of each month by e-mail to the e-mail
            address specified by Secured Party for such purpose from time to
            time.

2.2 Principal Place of Business. Debtor represents and warrants to Secured Party
that the Debtor's principal executive offices are located at 24 East 12th
Street, New York, New York 10003 and also maintains offices at 809 North Dixie
Highway, West Palm Beach, Florida 33401 Debtor will promptly advise Secured
Party of any change in the location of its offices.

2.3 Secured Party's Covenants. Secured Party will deliver termination statements
to the Debtor for filing by Debtor, terminating the Secured Party's interest in
the Acquired Assets upon payment and performance in full of all of the
Obligations.

3 RIGHTS OF SECURED PARTY.

      In addition to those rights set forth elsewhere in this Agreement, Secured
Party has the rights contained in each of the following paragraphs.

3.1 Secured Party's Right to Act For Debtor. If there occurs an event of default
or an event which, with the giving of notice or passage of time, or both, would
constitute an event of default hereunder, then Secured Party has the right, but
not the obligation, without notice and without in any way releasing the Debtor
from any of the Obligations including, without limitation, any obligation under
the Note, to do any or all of the following:

      (i) make the payment or do the act in such manner and to such extent as
      Secured Party may deem necessary to protect the Collateral,

      (ii) appear in and defend any action or proceeding purporting to affect
      the Collateral or the rights or powers of Secured Party;

      (iii) pay, purchase, contest or compromise any encumbrance, charge, or
      lien which in the judgment of Secured Party appears to affect the
      Collateral;

      (iv) incur any liability and expend such amounts as Secured Party, in its
      absolute discretion, may deem necessary to accomplish any of the matters
      described in (i) through (iii) above, including without limitation paying
      necessary expenses, employing counsel, paying counsel's fees, and so
      forth.


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4 DEFAULT.

4.1 Events of Default. The happening of any of the following shall constitute an
event of delimit under this Agreement:

      (i)   the occurrence of a Default (as such term is defined in the Note)
            under the Note;

      (ii)  Debtor defaults in any of its obligations under the Loan Agreement;

      (iii) Debtor defaults in any of its obligations under the License
            Agreement;

      (iv)  Debtor defaults in any of its obligations under this Agreement.

4.2 Remedies Upon Default. If an event of default as described in paragraph 4.1
occurs, Secured Party, after thirty (30) days written notice to Debtor and
failure to cure the default within such thirty (30) day period, may at its
option and in addition to all the rights and remedies of a secured party under
the Uniform Commercial Code, which rights and remedies are cumulative and not
exclusive or enforceable alternatively, successively or concurrently, take any
or all of the actions described in the following subparagraphs, at the same time
or at different times:

      (i) sell, assign and deliver, grant options for, or otherwise dispose of
any part or all of the Collateral, at a public or private sale in the manner
provided in paragraph 4.3;

      (ii) commence a legal action, or initiate such other proceeding as Secured
Party may decide, on the basis of the default.

4.3 Conduct of Sale of Collateral. In the event that Secured Party elects, under
the provisions of paragraph 4.2, to sell any part or all of the Collateral, on
one or more occasions, the following shall apply with regard to such sale in
addition to those rights and remedies applicable under the Uniform Commercial
Code.

      4.3.1 The sale of any part or all of the Collateral shall have been made
            in a commercially reasonable manner as long as it is made in
            conformity with reasonable commercial practices for the disposition
            of similar property. The sale may be conducted at such place and
            time, to such person, for such price, and upon such terms as Secured
            Party deems best, all without demand for performance or notice or
            advertisement other than as may be required under the laws
            regulating the sale of securities.

      4.3.2 If applicable law requires reasonable notice of sale or other
            disposition, Debtor hereby agrees that the sending often (10) days
            notice to Debtor, in the manner as


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            provided in paragraph 4.2, of the place and time of any public sale
            or of the time after which any private sale or other intended
            disposition is to be made shall be deemed reasonable notice thereof

      4.3.3 Secured Party may bid for and purchase at any sale all or any part
            of the Collateral or both offered for sale or any part thereof and
            thereby become the owner thereof Secured Party may make payment for
            any of the Collateral so purchased by any means.

4.4 Application of Proceeds of Sale, Deficiencies. Secured Party may apply the
cash proceeds from any sale or other disposition of the Collateral firstly to
the reasonable expenses of retaking, holding, preparing for sale, and selling
the Collateral, including without limitation broker's fees; secondly to
reasonable attorney's fees and all legal expenses, travel and other expenses
which may be incurred by Secured Party in attempting to collect the Obligations
or enforce this Agreement or in the prosecution or defense of any action or
proceeding related to the subject matter of this Agreement; and thirdly to all
unpaid Obligations. Any surplus shall be paid to the Debtor subject to any duty
of Secured Party imposed by law to the holder of any subordinate security
interest in the Collateral known to Secured Party. The Company shall remain
liable for, and will pay Secured Party on demand, any deficiency remaining and
the balance of any expenses unpaid. The Debtor shall have no personal liability
for any such deficiency.

5 GENERAL PROVISIONS

5.1 Power of Attorney. To effectuate the terms and provisions hereof, Debtor
hereby designates and appoints Secured Party and its officers, designees or
agents as attorneys-in-fact of Debtor irrevocably and with power of
substitution, with authority to each and every of the following acts in the
event of a default hereunder:

      (i) to sell, assign and deliver, or otherwise dispose of any part or all
of the Collateral, at public or private sale at the option of Secured Party; and

      (ii) to do all other acts and things necessary and advisable in the sole
discretion of Secured Party to carry out and enforce this Agreement, including
the execution and filing of financing statements and continuation statements
evidencing the security interest granted hereby. All acts of said attorney or
designee are hereby ratified and approved. Said attorney or designee shall not
be liable for any acts of commission or omission or for any error of judgment or
mistake of act or law.

This power of attorney, being coupled with an interest, is irrevocable while any
of the Obligations are due or not satisfied or fully performed.

5.2 Notices. All notices which are to be given by one party to the other party
hereunder shall be in a writing which shall be sent by certified or registered
mail, postage prepaid, return receipt


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requested, or by Federal Express or Express Mail, where available, or by a means
of telex or telefax followed by a confirmation letter sent by certified or
registered mail, postage prepaid, return receipt requested, addressed to each
party at the address first written above or such other address as shall be
notified in accordance with this paragraph.

5.3 Modifications. No supplement, modification, waiver or termination of this
Agreement shall be binding unless executed in writing by the party thereto to be
bound.

5.4 Waivers. Any term or condition of this Agreement may be waived by either
party only if that party signs a writing to such effect. No waiver of any of the
provisions of this Agreement shall be deemed a waiver of any other provision,
irrespective of similarity, or shall constitute a continuing waiver unless
otherwise expressly provided. No failure or delay on the part of Secured Party
in exercising any right, power or privilege under the Note shall operate as a
waiver thereof or hereof, nor shall a single or partial exercise preclude any
other or further exercise of any other right, power or privilege.

5.5 Survival of Contents. All covenants, agreements, representations and
warranties made herein shall survive the execution and delivery to Secured Party
of this Agreement and shall continue in full force and effect so long as all or
any portion of the indebtedness under the Note is outstanding and unpaid or any
other Obligation remains to be performed under the Note or this Agreement.

5.6 Headings. The headings of the articles and paragraphs contained in this
Agreement are for reference purposes only and shall not affect the meaning or
interpretation of this Agreement.

5.7 Applicable Law. The interpretation and construction of this Agreement and
the Other Documents, and all matters relating hereto, shall be governed by the
law of the State of New York, without reference to its conflict of laws
provisions. Unless applicable law requires a different method, any notice that
must be given to Debtor under this Agreement will be given by delivering it or
mailing it by first class mail to Debtor at its address set forth at the
beginning of this Agreement or at such other address as Debtor may give notice
of to the holder of this Agreement. Any action brought to enforce this Agreement
may be brought in the State of New York, and each Party hereby consents to the
personal jurisdiction of the federal and state courts located in the State of
New York, and agrees that unless applicable law requires a different method,
service of process in any such action may be made by first class mail upon a
Party at its address set forth in the beginning of this Agreement or at such
other address as a Party shall advise the other Party by written notice in
accordance with this Agreement.

IN WITNESS WHEREOF, the parties have caused this Agreement to be executed as of
the date first above written.


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                                  QUINTEL COMMUNICATIONS, INC.

                                  By: /s/ Jeffrey Schwartz
                                      --------------------------------------
                                      Name: Jeffrey Schwartz
                                      Title:  Chairman, CEO


                                  LCS GOLF, INC.

                                  By: /s/ Michael Mitchell
                                      --------------------------------------
                                      Name: Michael Mitchell
                                      Title:  Pres.


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