Document:

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                                                                    EXHIBIT 10.2

                                     FORM OF
                           RESTRICTED STOCK AGREEMENT
                          GAYLORD ENTERTAINMENT COMPANY
                  1997 OMNIBUS STOCK OPTION AND INCENTIVE PLAN

            This RESTRICTED STOCK AGREEMENT (the "Agreement") is by and between
Gaylord Entertainment Company, a Delaware corporation (the "Company"), and
___________ (the "Grantee"), pursuant to the Company's 1997 Omnibus Stock Option
and Incentive Plan (the "Plan").

            SECTION 1. Restricted Stock Award. Effective ______ the Grantee was
awarded the right to receive _____ shares (the "Restricted Stock") of the
Company's Common Stock, Par Value $ .01 per share (the "Common Stock"), subject
to the terms and conditions of this Agreement and the Plan.

             SECTION 2. Vesting of the Award. The Grantee shall become vested in
the number of shares of Restricted Stock set forth in Section 1 above (such
number of shares referred to herein as the "Vested Stock") as follows: ____
shares shall vest on ____, the first anniversary date hereof, ____ shares shall
vest on ____, the second anniversary date hereof; ____ shares shall vest on
____, the third anniversary date hereof; and ____ shares shall vest on ____, the
fourth anniversary date hereof. The vesting of the shares is also dependent upon
the absence of an Act of Forfeiture on or before the Vested Date. For purposes
of this Agreement, "Act of Forfeiture" means termination of the Grantee's
employment with the Company for any reason prior to any Vested Date, subject to
Section 5(b) below.

            SECTION 3. Distribution of Vested Stock. Shares of Vested Stock will
be distributed to the Grantee as soon as practicable after the Vested Date.
Notwithstanding the foregoing, if the Grantee's employment is terminated under
the circumstances set forth in Section 5(b), the Restricted Stock awarded
hereunder will be distributed to the Grantee (or Grantee's estate or legal
representative) as soon as practicable after Grantee's termination of
employment.

            SECTION 4. Voting Rights and Dividends. Prior to the distribution of
the Vested Stock, certificates representing shares of the Restricted Stock will
bear an appropriate legend in accordance with Section 10(b) of the Plan and will
be held by the Company, as escrow agent, in the name of the Grantee. The Company
will take such action as is necessary and appropriate to enable the Grantee to
vote the Restricted Stock and receive dividends thereon. Notwithstanding the
foregoing, no voting or dividend rights shall inure to the Grantee following an
Act of Forfeiture.

            SECTION 5. Termination.

                        (a) In the event that the employment of Grantee shall
            terminate (other than by reason of death or disability) prior to the
            Vested Date, such termination shall be considered an Act of
            Forfeiture.

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                        (b) If the Grantee dies while employed by the Company or
            if the Grantee's employment is terminated by reason of Disability,
            with respect to the shares of Restricted Stock, the Vested Date as
            to all of the shares of the Restricted Stock shall be the date of
            such death or Disability.

            SECTION 6. Tax Election. The Grantee may, but is not required to,
elect to apply the tax rules of Section 83(b) of the Internal Revenue Code of
1986, as amended (the "Code"), to the issuance of the Restricted Stock. If the
Grantee makes an affirmative election under 83(b) of the Code, the Grantee will
notify the Company within 90 days after making such election.

            SECTION 7. Governing Provisions. This Agreement is made under and
subject to the provisions of the Plan, and all of the provisions of the Plan are
also provisions of this Agreement. Capitalized terms used but not defined herein
shall have the same meanings ascribed to such terms in the Plan. If there is a
difference or conflict between the provisions of this Agreement and the
provisions of the Plan, the provisions of the Plan will govern. By signing this
Agreement, the Grantee confirms that he or she has received a copy of the Plan.

            SECTION 8. Miscellaneous.

                  8.1 Entire Agreement. This Agreement and the Plan contain the
entire understanding and agreement between the Company and the Grantee
concerning the Restricted Stock granted hereby and supersede any prior or
contemporaneous negotiations and understandings. The Company and the Grantee
have made no promises, agreements, conditions, or understandings relating to the
Restricted Stock, either orally or in writing, that are not included in this
Agreement or the Plan.

                  8.2 Employment. By establishing the Plan, granting awards
under the Plan, and entering into this Agreement, the Company does not give the
Grantee any right to continue to be employed by the Company or to be entitled to
any remuneration or benefits not set forth in this Agreement or the Plan. None
of the provisions of this Agreement or the plan will interfere with or limit the
right of the company to terminate the Grantee's employment at any time.

                  8.3 Captions. The captions and section numbers appearing in
this Agreement are inserted only as a matter of convenience. They do not define,
limit, construe, or describe the scope or intent of the provisions of this
Agreement.

                  8.4 Counterparts. This Agreement may be executed in
counterparts, each of which when signed by the Company and the Grantee will be
deemed an original and all of which together will be deemed the same agreement.

                  8.5 Notice. Any notice or communication having to do with this
Agreement must be given by personal delivery or by certified mail, return
receipt requested, addressed, if to the Company, to the principal office of the
Company and, if to the Grantee, to the Grantee's last known address on the
personnel records of the Company.

                  8.6 Amendment. This Agreement may be amended by the Company,
provided that unless the Grantee consents in writing, the Company cannot amend
this Agreement if the amendment will materially change or impair the Grantee's
rights under this Agreement and such

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change is not to the Grantee's benefit. Nevertheless, the Committee shall have
the authority to cancel all or any portion of any outstanding restrictions prior
to the Vested Date with respect to any or all of the shares of the Restricted
Stock awarded on such terms and conditions as the Committee shall deem
appropriate.

                  8.7 Succession and Transfer. Each and all of the provisions of
this Agreement are binding upon and inure to the benefit of the Company and the
Grantee and their heirs, successors, and assigns. However, neither the
Restricted Stock nor this Agreement is transferable prior to the Vested Date
other than by will or by the laws of descent and distribution.

                  8.8 Governing Law. This Agreement shall be governed and
construed exclusively in accordance with the law of the State of Delaware
applicable to agreements to be performed in the State of Delaware to the extent
it may apply.

                  8.9 Change in Control. Upon the occurrence of any of the
events described in Section 13(c) of the Plan, (a) all restrictions under the
Plan and the Agreement with respect to the Restricted Stock, including the
restriction on transfer set forth in Section 8.7 hereof, shall automatically
expire and be of no further force or effect, (b) an "Acceleration Date" as
defined in Section 13(c) of the Plan shall be the "Vested Date" for all purposes
hereunder, and (c) notwithstanding the schedule set forth on Exhibit A hereto,
the number of shares of Vested Stock shall equal the total number of shares of
Restricted Stock subject to this Agreement.

         IN WITNESS WHEREOF, the Company and the Grantee have executed this
Agreement to be effective as of _________.

GRANTEE:                               GAYLORD ENTERTAINMENT COMPANY

______________________________         By: _____________________________________
                                           Carter R. Todd, Senior Vice President
                                           and Secretary<PAGE>

                                                                   Exhibit 10.32

SILICON VALLEY BANK

                              ASSUMPTION AGREEMENT

      THIS ASSUMPTION AGREEMENT dated as of April 14, 2005 is entered into
between SILICON VALLEY BANK ("Silicon"), on the one side, and VERSO
TECHNOLOGIES, INC., PROVO PREPAID (DELAWARE) CORP., TELEMATE.NET SOFTWARE, INC.
and NEEDHAM (DELAWARE) CORP., on the other side. NEEDHAM (DELAWARE) CORP. is
hereinafter referred to as the "New Borrower". Capitalized terms used but not
defined in this Agreement shall have the meanings set forth in the Loan and
Security Agreement (Exim Program) between Silicon, on the one side, and Verso
Technologies, Inc., Provo Prepaid (Delaware) Corp. (fka NACT Telecommunications,
Inc.) and Telemate.net Software, Inc. (jointly and severally, the "Existing
Borrower"), on the other side, dated February 12, 2003 (as amended from time to
time, including, without limitation, that certain Amendment to Loan Documents
(Exim Program) dated March 18, 2005, the "Loan Agreement").

      The parties agree as follows:

      1. ASSUMPTION. New Borrower hereby assumes and agrees to pay and perform
when due all present and future indebtedness, liabilities and obligations of
Existing Borrower under, based upon, or arising out of the Loan Agreement and
any and all documents, instruments and agreements relating thereto, including
without limitation all of the "Obligations" as defined in the Loan Agreement.
Existing Borrower shall remain as an obligor with respect to all of the
Obligations, and Existing Borrower and New Borrower shall be jointly and
severally liable for all of the Obligations. All references in the Loan
Agreement, and in all related documents, to "Borrower" shall be deemed to refer,
jointly and severally, to Existing Borrower and New Borrower.

      2. GRANT OF SECURITY INTEREST. Without limiting the generality of the
provisions of Section 1 above, as security for all Obligations, New Borrower
hereby grants Silicon a continuing security interest in all of New Borrower's
interest in the "Collateral" (as defined in the Loan Agreement) including,
without limitation, the types of property described below, whether now owned or
hereafter acquired and wherever located: (a) All accounts, contract rights,
chattel paper, letters of credit, documents, securities, money, and instruments,
and all other obligations now or in the future owing to New Borrower; (b) All
inventory, goods, merchandise, materials, raw materials, work in process,
finished goods, farm products, advertising, packaging and shipping materials,
supplies, and all other tangible personal property which is held for sale or
lease or furnished under contracts of service or consumed in the New Borrower's
business, and all warehouse receipts and other documents; and (c) All equipment,
including without limitation all machinery, fixtures, trade fixtures, vehicles,

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<PAGE>

      SILICON VALLEY BANK                                   ASSUMPTION AGREEMENT

furnishings, furniture, materials, tools, machine tools, office equipment,
computers and peripheral devices, appliances, apparatus, parts, dies, and jigs;
(d) All general intangibles including, but not limited to, deposit accounts,
goodwill, names, trade names, trademarks and the goodwill of the business
symbolized thereby, trade secrets, drawings, blueprints, customer lists,
patents, patent applications, copyrights, security deposits, loan commitment
fees, federal, state and local tax refunds and claims, all rights in all
litigation presently or hereafter pending for any cause or claim (whether in
contract, tort or otherwise), and all judgments now or hereafter arising
therefrom, all claims of New Borrower against Silicon, all rights to purchase or
sell real or personal property, all rights as a licensor or licensee of any
kind, all royalties, licenses, processes, telephone numbers, proprietary
information, purchase orders, and all insurance policies and claims (including
without limitation credit, liability, property and other insurance), and all
other rights, privileges and franchises of every kind; (e) All books and
records, whether stored on computers or otherwise maintained; and (f) All
substitutions, additions and accessions to any of the foregoing, and all
products, proceeds and insurance proceeds of the foregoing, and all guaranties
of and security for the foregoing; and all books and records relating to any of
the foregoing. By the execution hereof, New Borrower hereby authorizes Silicon
to prepare and file UCC-1 Financing Statements listing New Borrower as the
debtor therein and in such form as Silicon shall specify.

      3. LOANS. Borrower hereby understands, acknowledges and agrees that Loans,
if any, will be made to each Borrower based on the Eligible Receivables of each
Borrower, subject to the Maximum Credit Limit and the Overall Credit Limit set
forth in the Loan Agreement for all Loans to all Borrowers combined.

      4. NEW BORROWER ADDED AS GUARANTOR TO VERSO GUARANTY. Reference is made to
that certain Continuing Guaranty dated December 14, 2001, executed by each of
Verso Technologies, Inc., Provo Prepaid (Delaware) Corp. and Telemate.net
Software, Inc. in favor of Silicon (the "Verso Guaranty"). To the extent not
already having been done, New Borrower hereby acknowledges and agrees to be
added as a named "Guarantor" under the Verso Guaranty and that New Borrower
hereby unconditionally guarantees and promises to pay on demand to Silicon in
lawful money of the United States, and to perform for the benefit of Silicon,
all of the Borrower's present and future Indebtedness (as defined in the Verso
Guaranty) to Silicon, subject in all respects to the terms, conditions, waivers
and all other provisions of the Verso Guaranty.

      5. EXIM BORROWER AGREEMENT. The Borrower and Silicon agree that upon
execution by all parties thereto, the Borrower Agreement of approximate even
date herewith in favor of the Export-Import Bank of the United States will
supersede that certain Borrower Agreement between the parties dated March 18,
2005.

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      SILICON VALLEY BANK                                   ASSUMPTION AGREEMENT

      6. REPRESENTATIONS TRUE. Borrower represents and warrants to Silicon that
all representations and warranties set forth in the Loan Agreement, as amended
hereby, are true and correct.

      7. CHOICE OF LAW AND VENUE; JURY TRIAL WAIVER. This Agreement and the
other Loan Documents shall be governed by, and construed in accordance with, the
internal laws of the State of California, without regard to principles of
conflicts of law. Each of Borrower and Silicon hereby submits to the exclusive
jurisdiction of the state and Federal courts located in the County of Santa
Clara, State of California. BORROWER AND SILICON EACH HEREBY WAIVE THEIR
RESPECTIVE RIGHTS TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR
ARISING OUT OF ANY OF THE LOAN DOCUMENTS OR ANY OF THE TRANSACTIONS CONTEMPLATED
THEREIN, INCLUDING CONTRACT CLAIMS, TORT CLAIMS, BREACH OF DUTY CLAIMS, AND ALL
OTHER COMMON LAW OR STATUTORY CLAIMS. EACH PARTY RECOGNIZES AND AGREES THAT THE
FOREGOING WAIVER CONSTITUTES A MATERIAL INDUCEMENT FOR IT TO ENTER INTO THIS
AGREEMENT. EACH PARTY REPRESENTS AND WARRANTS THAT IT HAS REVIEWED THIS WAIVER
WITH ITS LEGAL COUNSEL AND THAT IT KNOWINGLY AND VOLUNTARILY WAIVES ITS JURY
TRIAL RIGHTS FOLLOWING CONSULTATION WITH LEGAL COUNSEL.

      8. INTEGRATION. This will confirm that this Agreement, the Loan Agreement
and the other Loan Documents represent the final agreement between the parties
and may not be contradicted by evidence of prior, contemporaneous, or subsequent
oral agreements of the parties. There are no unwritten oral agreements between
the parties.

      9. GENERAL PROVISIONS. This Agreement, the Loan Agreement, any prior
written amendments to the Loan Agreement signed by Silicon and the Borrower, and
the other written documents and agreements between Silicon and the Borrower set
forth in full all of the representations and agreements of the parties with
respect to the subject matter hereof and supersede all prior discussions,
representations, agreements and understandings between the parties with respect
to the subject hereof. Except as herein expressly amended, all of the terms and
provisions of the Loan Agreement, and all other documents and agreements between
Silicon and the Borrower shall continue in full force and effect and the same
are hereby ratified and confirmed.

                                      -3-
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      SILICON VALLEY BANK                                   ASSUMPTION AGREEMENT

NEW BORROWER:                                 SILICON:

NEEDHAM (DELAWARE) CORP.                      SILICON VALLEY BANK

BY /s/ Juliet M. Reising                      BY /s/ Peter Bendoris
   -------------------------------               ----------------------------
   PRESIDENT OR VICE PRESIDENT                TITLE Relationship Manager
                                                    -------------------------
BY /s/ David Ryan
   -------------------------------
   SECRETARY OR ASS'T SECRETARY

BORROWER:                                     BORROWER:

VERSO TECHNOLOGIES, INC.                      PROVO PREPAID (DELAWARE) CORP.

BY /s/ Juliet M. Reising                      BY /s/ Juliet M. Reising
   -------------------------------               ---------------------------
   PRESIDENT OR VICE PRESIDENT                   PRESIDENT OR VICE PRESIDENT

BY /s/ David Ryan                             BY /s/ David Ryan
   -------------------------------               ---------------------------
   SECRETARY OR ASS'T SECRETARY                  SECRETARY OR ASS'T SECRETARY

BORROWER:

TELEMATE.NET SOFTWARE, INC.

BY /s/ Juliet M. Reising
   -------------------------------
   PRESIDENT OR VICE PRESIDENT

BY /s/ David Ryan
   -------------------------------
   SECRETARY OR ASS'T SECRETARY

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<PAGE>

      SILICON VALLEY BANK                                   ASSUMPTION AGREEMENT

                                     CONSENT

      The undersigned acknowledges that this consent to the foregoing Agreement
is not required, but the undersigned nevertheless does hereby consent to the
foregoing Agreement and to the documents and agreements referred to therein and
to all future modifications and amendments thereto, and any termination thereof,
and to any and all other present and future documents and agreements between or
among the foregoing parties. Nothing herein shall in any way limit any of the
terms or provisions of the Continuing Guaranty of the undersigned, all of which
are hereby ratified and affirmed.

GUARANTOR:                                    GUARANTOR:

VERSO TECHNOLOGIES, INC.                      PROVO PREPAID (DELAWARE) CORP.

BY /s/ Juliet M. Reising                     BY  /s/ Juliet M. Reising
   -------------------------------               ------------------------------
   PRESIDENT OR VICE PRESIDENT                   PRESIDENT OR VICE PRESIDENT

BY /s/ David Ryan                            BY  /s/ David Ryan
   -------------------------------               ------------------------------
   SECRETARY OR ASS'T SECRETARY                  SECRETARY OR ASS'T SECRETARY

GUARANTOR:                                    GUARANTOR:

TELEMATE.NET SOFTWARE, INC.                   CLARENT CANADA LTD.

BY /s/ Juliet M. Reising                      BY /s/ Juliet M. Reising
   -------------------------------               ------------------------------
   PRESIDENT OR VICE PRESIDENT                   PRESIDENT OR VICE PRESIDENT

BY /s/ David Ryan                             BY /s/ David Ryan
   -------------------------------               ------------------------------
   SECRETARY OR ASS'T SECRETARY                  SECRETARY OR ASS'T SECRETARY

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