Document:

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                                                                    Exhibit 10.2

                              CONSULTING AGREEMENT

         This CONSULTING AGREEMENT (the "Agreement") made as of April ___, 2001,
by and between, INFOTOPIA, INC., a Nevada corporation, (hereinafter the
"Company") and I NET FINANCIAL MANAGEMENT, LTD., a British Virgin Islands
corporation (hereinafter "Consultant").

         WHEREAS, the Company wishes to retain Consultant to provide certain
consulting services to the Company as described more particularly herein; and

         WHEREAS, Consultant desires to render such consulting services to the
Company, on the terms and conditions set forth herein.

         NOW, THEREFORE, in consideration of the mutual covenants and agreements
contained herein and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereby agree as
follows:

1.       Provision of Services.

         (a) Consultant agrees, to the extent required in the conduct of the
business of the Company, to place at the disposal of the Company Consultant's
judgment and experience, and to provide the following business development
services to the Company (all such services hereinafter described as the
"Consulting Services"):

                  (i)      Work with Company management in developing and
                           implementing a plan with respect to the Company's
                           capital structure;

                  (ii)     Advise the Company with respect to potential
                           acquisition transactions, including the structure of
                           such transactions, and assist the Company in its
                           completion of any related due diligence reviews;

                  (iii)    Assist the Company in developing plans, and assist in
                           the implementation of such plans, for product line
                           extensions and retail distribution;

                  (iv)     Assist the Company in identifying and calling upon
                           potential strategic partners and customers;

                  (v)      Represent the Company in making presentations to
                           potential partners and customers;

                  (vi)     Review of and advice with respect to the Company's
                           business plan as it relates to investment
                           presentations and sales presentations;

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                  (vii)    Represent the Company in negotiations, interaction
                           with legal and accounting personnel and meetings with
                           investment banking firms, potential investors and
                           other sources of capital; and

                  (viii)   Advise the Company with respect to the raising of
                           equity and/or debt.

         (b) Consultant agrees to use its reasonable best efforts in providing
the Consulting Services to the Company and shall devote such time and effort to
the provision of the Consulting Services as shall be reasonable in Consultant's
discretion.

2.       Compensation.

         (a) In consideration of Consultant's services, the Company agrees to
pay Consultant in advance on the first day of each calendar month during the
term of this Agreement a nonrefundable consulting fee of $12,500 per calendar
month for each of the first three (3) calendar months during the term of this
Agreement and $15,000 per calendar month thereafter, which consulting fee shall
be prorated for the first month of the term based on the number of days from and
including the date of this Agreement through the last day of the first calendar
month (the "Consulting Fee"); provided, however, that after twelve (12) months
such Consulting Fee may be offset by commissions earned by Consultant under
Section 4 of this Agreement. The Company further agrees to reimburse Consultant
for reasonable pre-approved expenses incurred by Consultant in connection with
the provision of the Consulting Services hereunder. If Consultant conducts
business activities other than for the Company during a pre-approved business
trip Consultant shall disclose that it has conducted other activities and
document the amount of time devoted to each of the business activities during
such trip, and the trip expenses will be shared pro rata. Consultant shall
record such activities in an expense report for each pre-approved trip. Expenses
are to be paid within ten (10) business days of receipt by Company of requests
for reimbursement therefor.

         (b) In addition to the Consulting Fee, as additional consideration,
during the Term (and any extensions thereof) and for a period of twelve (12)
months following termination of this Agreement, the Company shall pay to
Consultant an amount equal to three percent (3%) of the monthly Product Revenues
(as hereinafter defined) generated by the Company (the "Revenue Fees"). Such
amounts shall be paid by the Company to Consultant no later than 25th day of the
calendar month immediately following shipment of the product(s) from which such
Product Revenues are derived. The fees paid pursuant to this section shall be
subject to adjustment within fifteen (15) days following the completion of the
Company's audit for each fiscal year based upon the Company's actual revenues
for such year; provided that any adjustment shall be subject to Consultant's
prior approval. For purposes hereof, Product Revenues shall mean (i) gross sales
revenues arising out of (A) Consultant's creating, suggesting sourcing for or
executing a marketing program relating to any product line or product category
extension with respect to the business of the Company, or (B) any new retail
channel which Consultant is responsible for developing and working with or is
otherwise directed by the Company to work with (ii) less returns, allowances and
bad debt adjustments with respect to such revenues.

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3.       Stock. As additional consideration for the Consulting Services provided
hereunder, the Company shall issue to Consultant (i) upon execution of this
Agreement, shares of the Company's common stock equal to the greater of 250,000
shares or one percent (1%) of the total number of such shares issued and
outstanding, (ii) six (6) months after the date hereof, shares of the Company's
common stock equal to the greater of 100,000 shares or one-half percent (0.5%)
of the total number of such shares issued and outstanding, and (iii) twelve (12)
months after the date hereof, shares of the Company's common stock equal to the
greater of 150,000 shares or three-fourths percent (0.75%) of the total number
of such shares issued and outstanding. If the Company shall fail to issue any
shares to be issued pursuant to this Section 3 for a period of fourteen (14)
days from the date such shares are to be issued to Consultant, the Company shall
issue Consultant an additional ten percent (10%) of the shares Consultant is
otherwise entitled to under this Section 3. All of the shares issued to
Consultant pursuant to this Section 3 shall be fully vested. The obligations of
the Company under this Section 3 may be subject to shareholder approvals and the
Company will use its best efforts to obtain any such required approvals within
sixty (60) days of the date hereof. The share calculations set forth in this
Section 3 shall be determined as of the respective dates of issuance of such
shares and shall be adjusted as necessary by the Company in the event of a
reorganization or other recapitalization of the Company prior to or after such
dates to insure that Consultant shall hold the percentages of the issued and
outstanding shares of the Company's common stock set forth herein subsequent to
any such reorganization or recapitalization.

4.       Success Fee.

         (a) If, at any time during the Term (or any extensions thereof) or
during the period ending twelve (12) months after the termination of this
Agreement, the Company or an affiliate and any third party enter into a
transaction involving a merger, sale of assets or sale of stock where Consultant
or an affiliate of Consultant has provided a contact, is otherwise responsible
for introducing such third party to the Company or has assisted in the
structure, negotiation or due diligence review of any such transaction (whether
or not Consultant was responsible for introducing the Company or any other party
to such transaction), then the Company shall pay to Consultant, on the date of
closing of such transaction, an amount equal to (i) five percent (5%) of the
aggregate value or purchase price of such transaction where such transaction
amount does not exceed Fifty Million Dollars ($50,000,000); (ii) four percent
(4%) of the aggregate value or purchase price of such transaction where such
transaction amount is greater than Fifty Million Dollars ($50,000,000) but does
not exceed Seventy-Five Million Dollars ($75,000,000); or (iii) three percent
(3%) of the aggregate value or purchase price of such transaction where such
transaction amount exceeds Seventy-Five Million Dollars ($75,000,000) (each of
the foregoing, the "Sale Transaction Cash Fee"). In addition to the Sale
Transaction Cash Fee, the Company shall issue to Consultant, on the date of
closing of such transaction, warrants to purchase that number of fully-vested
and unrestricted shares of the Company's common stock as shall be determined by
dividing (i) an amount equal to the Sale Transaction Cash Fee by (ii) the fair
market value of the Company's common stock on the date of closing of such
merger, asset sale or stock sale transaction as determined by calculating the
average value per share on the basis of the purchase price paid with respect to
the Company or its assets. The exercise price of such

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warrants shall be equal to a twenty-five percent (25%) discount to the fair
market value of the Company's common stock on the date of such closing.

         (b) If, at any time during the Term (or any extension thereof) or
during the period ending twelve (12) months after the termination of this
Agreement, any investors initially introduced to the Company by Consultant or
otherwise arranged by Consultant purchase any securities from the Company in a
transaction intended to be exempt from the registration requirements of the
Securities Act of 1933, as amended, the Company shall pay to Consultant, on the
date of closing of such investment, an amount equal to five percent (5%) of the
amounts so invested (the "Private Transaction Cash Fee"). In addition to the
Private Transaction Cash Fee, the Company shall issue to Consultant, on the date
of closing of such investment, warrants to purchase that number of fully-vested
and unrestricted shares of the Company's common stock as shall be determined by
dividing (i) an amount equal to the Private Transaction Cash Fee by (ii) the
fair market value of such common stock on the date of closing of such investment
as determined by calculating the average price per share of the investment with
respect to which the Private Transaction Cash Fee is being paid. The exercise
price of such warrants shall be equal to a twenty-five percent (25%) discount to
the fair market value of the Company's common stock on the date of such closing.

         (c) If, at any time during the Term (or any extension thereof) or
during the period ending twelve (12) months after the termination of this
Agreement, the Company shall sell shares of its capital stock in a public
offering, with respect to which Consultant has introduced or otherwise arranged
the investment bank relationship, the Company shall pay to Consultant, on the
date of closing of such sale, an amount equal to three percent (3%) of the gross
proceeds from the sale of such shares (the "Public Transaction Cash Fee"). In
addition to the Public Transaction Cash Fee, the Company shall issue to
Consultant, on the date of closing of such sale, warrants to purchase that
number of fully-vested and unrestricted shares of the Company's common stock as
shall be determined by dividing (i) an amount equal to the Public Transaction
Cash Fee by (ii) the fair market value of such common stock on the date of
closing of such sale as determined by calculating the average price per share of
the sale with respect to which the Public Transaction Cash Fee is being paid.

         (d) The Company agrees that it will use its best efforts to include all
shares of the Company's common stock issued or issuable to Consultant pursuant
to any provision of this Agreement (including shares underlying any warrants
held by Consultant) in the first Registration Statement filed after the date
hereof by the Company with the Securities and Exchange Commission pursuant to
the Securities Act of 1933, as amended and, to the extent any of such shares of
common stock are not sold pursuant to such Registration Statement and remain
restricted, the Company shall use its best efforts to include such shares in any
subsequent Registration Statements filed by the Company. The shares of common
stock underlying any warrants issued pursuant to this Section 4 shall also have
"piggy-back" registration rights with respect to any Registration Statement
filed after the date such warrants are to be issued. In the event that such
shares or warrants are not registered within eleven (11) months of being issued,
Consultant shall have demand registration rights with respect thereto. Any
warrants issued pursuant to this Section 4 shall have a term of three (3) years
and shall have at least the

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equivalent anti-dilution protection as that provided for any other warrants,
options or like instruments of the Company ("Standard Anti-Dilution
Protection").

5.       Tag-Along Rights. As soon as practicable after execution of this
Agreement, Consultant, the Company and the principal stockholders of the Company
shall enter into an agreement, the terms of which shall be satisfactory to the
Consultant, pursuant to which Consultant shall have the right to sell that
number of shares of the Company's Common Stock owned by Consultant in any
transaction in which one or more principal stockholders ("Selling Stockholders")
sells any such shares owned by such Selling Stockholders as shall constitute the
percentage of such shares owned by the Selling Stockholders being sold by the
Selling Stockholders in such transaction at the same price per share as the
Selling Stockholders. The Company shall satisfy all registration requirements
necessary to permit Consultant to transfer his shares without restriction upon
the exercise of his tag-along rights. In the event that the Company is unable to
do so, upon the subsequent transfer of such shares by Consultant, if the price
per share has declined as of such date to an amount less than that price per
share received by the Selling Stockholders, the Company shall pay to Consultant
an amount per share equal to such decline. The parties acknowledge and agree
that the purpose of this provision of this Section 5 is to insure that the
proceeds per share received by Consultant upon the exercise of his tag-along
rights in accordance with this Section 5 are equal to the proceeds per share
received by the Seller Stockholders in the transaction giving rise to such
tag-along rights.

6.       Investments by Consultant. Consultant shall not receive any success fee
of any kind pursuant to Section 4 hereof as a result of any purchase of the
Company's capital stock by Consultant or any affiliate of Consultant.

7.1.     Liability of Consultant. In furnishing the Company with Consulting
Services as herein provided, Consultant shall not be liable to the Company or
its creditors for errors of judgment or for any conduct other than willful
misconduct or fraud in respect of its obligations and duties under the terms of
this Agreement.

It is further understood and agreed that Consultant may rely upon information
furnished to it reasonably believed to be accurate and reliable and that
Consultant shall not be accountable for any loss suffered by the Company by
reason of the Company's action or non-action on the basis of any advice or
approval of Consultant.

At all times after the date hereof, whether during or after the term of this
Agreement, the Company shall indemnify Consultant to the fullest extent
permitted by law for all expenses, costs, liabilities and legal fees of any kind
which Consultant may incur in the discharge of its services hereunder or
relating in any way to the Company or its business and shall at all times
maintain appropriate provisions in its Articles of Incorporation and Bylaws
mandating that the Company provide such indemnification, except for Consultant's
willful misconduct or fraud in respect of its obligations and duties under this
Agreement, and maintain appropriate insurance coverage with respect to its
indemnification obligations set forth herein.

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7.2      Status of Consultant. Consultant shall be deemed to be an independent
contractor and, except as expressly provided in this Agreement and as
pre-approved in writing by the Company, shall have no authority to act on behalf
of or to represent the Company.

8.       Other Activities of Consultant. The Company recognizes that Consultant
now renders and may continue to render other services (including but not limited
to services relating to securing financing, finding investors and business
development) to other companies that may or may not have policies and conduct
activities similar to those of the Company. Consultant shall be free to render
such advice and other services so long as such other company or companies do not
compete at that time directly with the Company on any product.

9.       Term. The Term of this Agreement shall commence on the date hereof and
shall expire on April 30, 2002 unless otherwise extended by the parties;
provided, however, that either party may terminate this Agreement for any reason
or for no reason upon sixty (60) days' notice to the other party.
Notwithstanding the foregoing, if the Company terminates Consultant's engagement
hereunder, other than for Cause (as defined below), the Company shall pay to
Consultant (i) any compensation and fees owed to Consultant through the date of
termination, (ii) any fees and amounts owed pursuant to Section 4 hereof, (iii)
an amount equal to any reimbursable expenses incurred by Consultant prior to
termination, and (iv) for a period of twelve (12) months following such
termination, the Revenue Fees. In addition, Consultant shall continue to hold
and have the right to exercise any warrants issued to Consultant in accordance
with the terms of such warrants.

For purposes of this Section 9, "Cause" shall mean:

         i.       Consultant's material failure to perform, or
                  gross negligence in the performance of, his
                  duties and responsibilities hereunder which
                  failure continues for a period of ten (10) days
                  after the Company provides written notice of
                  such failure to Consultant; or

         ii.      any other material breach by Consultant of any
                  provision of this Agreement, which breach
                  continues for ten (10) days after the Company
                  provides written notice of such breach to
                  Consultant.

Upon the termination of Consultant's relationship with the Company hereunder for
Cause, the Company shall pay (i) any compensation and fees owed to Consultant
through the date of termination, (ii) any fees and amounts owed to Consultant
pursuant to Section 4 hereof, and (ii) an amount equal to any reimbursable
expenses incurred by Consultant prior to termination. In addition, Consultant
shall continue to hold and have the right to exercise any warrants issued to
Consultant in accordance with the terms of such warrants.

Both parties acknowledge and agree that the success of the Company's business is
not assured and that there can be no assurance that Consultant's services will
result in any equity financing or other strategic partnerships. Consultant and
Company agree that if either party, in such party's

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sole discretion, (i) does not find the business environment or conditions as
expected, or (ii) does not receive support from the other party as expected,
then the sole remedy available to such party shall be the termination of this
Agreement, and neither party shall have the right to damages from the other
party (whether direct, consequential or otherwise) as a result of any such
termination; provided, however, that Consultant shall be entitled to recover any
sums due or payable pursuant to this Agreement and, notwithstanding the
limitations in this paragraph, Consultant may commence an action to recover such
sums in accordance with the provisions of Section 15 hereof and Consultant's
rights to indemnification as provided in Section 7.1 hereof shall not be
terminated.

11.      Administrative Assistants. The Company will make available to
Consultant during the Term hereof (and any extensions) employees to provide
Consultant with all administrative support reasonably required by Consultant in
connection with provision of the Consulting Services hereunder. In the event
Consultant requires additional materials and/or personnel in connection with the
provision of the Consulting Services, the expenses related thereto shall be
subject to the pre-approval of the Company and, following such pre-approval, the
Company shall pay all such expenses.

12.      Confidentiality and Nondisclosure. In connection with the services to
be rendered to the Company by Consultant hereunder, the Company will make
available to Consultant certain non-public, confidential information regarding
the Company (the "Confidential Information"). "Confidential Information" means
any and all information of the Company that is not generally known by others.
Confidential Information includes without limitation such information relating
to (i) the development, research, testing, manufacturing and marketing
activities of the Company, (ii) the products of the Company, (iii) the costs,
sources of supply and strategic plans of the Company, (iv) the identity and
special needs of the customers of the Company and (v) people and organizations
with whom the Company has business relationship and those relationships.
Confidential Information also includes comparable information that the Company
may receive, or has received, belonging to customers or others who do business
with the Company. As a condition to the Confidential Information being furnished
to Consultant, Consultant agrees not to use the Confidential Information for any
purpose other than in connection with the rendering of Consulting Services to
the Company, to keep the Confidential Information confidential and to refrain
from disclosing the Confidential Information to any third party (except in
connection with rendering the Consulting Services) or for otherwise using such
Information for his own gain; provided, however, that Consultant may make any
disclosure of the Confidential Information to which the Company gives its prior
written consent. Notwithstanding anything herein to the contrary, Consultant
shall not be prohibited from using or disclosing Confidential Information which
(a) is or becomes generally available to the public other than as a result of
disclosure by Consultant, (b) becomes available to Consultant on a
non-confidential basis after the date hereof from any third party that is not
known by Consultant to be bound by a confidentiality agreement with the Company
with respect to such information, or (c) Consultant is required to disclose by
law or judicial order, provided that Consultant shall promptly notify the
Company of such requirement so that the Company may seek an appropriate
protective order or otherwise seek to protect the confidentiality of such
information. Consultant agrees that, upon the written request of the Company,
Consultant shall promptly destroy or return to the Company the written

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Confidential Information and any copies thereof in Consultant's possession for a
period of two (2) years.

Consultant understands that this restriction shall continue to apply after
Consultant's relationship with the Company terminates, regardless of the reason
for such termination.

13.      Relief, Interpretation, Expenses. Consultant agrees that the Company
shall, in addition to any other remedies available to it, be entitled to
preliminary and permanent injunctive relief against any breach by it of the
covenants contained in Section 12, without having to post bond.

14.      Assignment. Neither the Company nor Consultant may make any assignment
of this Agreement or any interest herein, by operation of law or otherwise,
without the prior written consent of the other party; provided, however, that
the Company may assign its rights and obligations under this Agreement without
the consent of Consultant to any affiliate thereof or in the event that the
Company shall hereafter effect a reorganization, consolidate with, or merge into
any other person or transfer all of substantially all of its properties or
assets to any other person, so long as the Company remains liable for its
obligations hereunder and the assignee assumes all obligations arising under
this Agreement. This Agreement shall inure to the benefit of and be binding upon
the Company and Consultant, their respective successors and permitted assigns.

15.      Enforceability. If any portion or provision of this Agreement shall to
any extent be declared illegal or unenforceable by a court of competent
jurisdiction, then the remainder of this Agreement, or the application of such
portion or provision in circumstances other than those as to which it is so
declared illegal or unenforceable, shall not be affected thereby, and each
portion and provision of this Agreement shall be valid and enforceable to the
fullest extent permitted by law.

16.      Arbitration. The parties agree that any controversies or claims arising
out of or relating to this Agreement shall be settled by arbitration in
accordance with the Commercial Arbitration Rules of the American Arbitration
Association. The decision of the arbitrators in any such arbitration shall be
final and binding upon the parties, and judgment upon the award may be entered
in any court having jurisdiction thereof. The parties agree that the
arbitrator(s) in any such arbitration shall not be authorized to award any
exemplary or punitive damages. Any arbitration shall take place in Cleveland,
Ohio. The arbitration shall be conducted before an arbitrator mutually agreed to
by the parties. If the parties are unable to agree on a single arbitrator, the
arbitration shall be conducted before a panel of three (3) arbitrators, one
selected by Consultant, one selected by the Company and one selected by mutual
agreement of the arbitrators selected by Consultant and the Company.

17.      Miscellaneous. This Agreement sets forth the entire agreement and
understanding between the parties and supersedes all prior discussions,
agreements and understandings of every and any nature between them. This
Agreement is executed in, and shall be construed and interpreted in accordance
with, the laws of the state of Ohio, without regard to principles of conflicts
of law.

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18.      Counterparts.  This Agreement may be executed in counterparts, each of
which shall be an original, and both of which shall together constitute one and
the same instrument.

19.      Waiver. No waiver of any provision hereof shall be effective unless
made in writing and signed by the waiving party. The failure of either party to
require the performance of any term or obligation of this Agreement, or the
waiver by either party of any breach of this Agreement, shall not prevent any
subsequent enforcement of such term or obligation or be deemed a waiver of any
subsequent breach.

20.      Amendment.  This Agreement may be amended or modified only by a
written instrument signed by Consultant and by a duly authorized representative
of the Company.

                         [Signatures on Next Page]

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         IN WITNESS WHEREOF, the parties have caused this Agreement to be signed
by their respective officers or representatives duly authorized the day and year
first above written.

                                           INFOTOPIA, INC.

                                           By:
                                              ---------------------------------

                                           Its:
                                               --------------------------------

                                           I NET FINANCIAL MANAGEMENT, LTD.

                                           By:
                                              ---------------------------------

                                           Its:
                                               --------------------------------<PAGE>   1
                                                                    Exhibit 4.1

      NUMBER                                                        SHARES

      D 0821

                           DYNAMIC INTERNATIONAL, LTD.

               INCORPORATED UNDER THE LAWS OF THE STATE OF NEVADA

  COMMON STOCK
$.001 PAR VALUE

                                                       CUSIP 29089V 10 4
                                             SEE REVERSE FOR CERTAIN DEFINITIONS

THIS CERTIFIES THAT

                                    SPECIMEN

IS THE OWNER OF

           FULLY PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK OF
                           DYNAMIC INTERNATIONAL, LTD.

                                 NAME CHANGED TO
                               EMERGENT GROUP INC.

(hereinafter called the Corporation) transferable on the books of the
Corporation or by the holder hereof in person or by duly authorized Attorney,
upon surrender of this Certificate properly endorsed. This Certificate is not
valid until countersigned and registered by the Transfer Agent and Registrar.

      WITNESS the facsimile seal of the Corporation and the facsimile signatures
of its duly authorized officers.

Dated:

                                     [SEAL]
                           DYNAMIC INTERNATIONAL LTD.
                                  INCORPORATED
                                      SEAL
                                      1996
                                     NEVADA

      /s/ Amy Lai                                    /s/ Mark W. Waldron

          Secretary                                      President and Chief
                                                         Executive Officer

                                                 BANKNOTE CORPORATION OF AMERICA

Countersigned and Registered:
      AMERICAN STOCK & TRANSFER COMPANY
                  (New York)        Transfer Agent
                                    and Registrar,

By                                  /s/ [ILLEGIBLE]
                                 Authorized Signature
<PAGE>   2

                           DYNAMIC INTERNATIONAL, LTD.

      The Corporation will furnish to any shareholder upon request and without
charge a full statement of the powers, designations, limitations and relative,
participating, optional or other special rights of the shares of each class
authorized to be issued, the qualifications, limitations and restrictions of
such preferences and rights, the variations in the relative rights and
preferences between shares of any series of any authorized preferred class so
far as they have been fixed and determined, and the authority of the Board of
Directors to fix and determine the relative rights and preferences of subsequent
series of any such preferred class.

The following abbreviations, when used in the inscription on the face of this
certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM - as tenants in common

TEN ENT - as tenants by the entireties

JT TEN - as joint tenants with right of survivorship and not as tenants in
         common

UNIF GIFT MIN ACT - ........... Custodian...........
                       (Cust)              (Minor)

                     under Uniform Gifts to Minors

                     Act............................
                                 (State)

     Additional abbreviations may also be used though not in the above list.

For Value Received, ___________________________________________ hereby sell,
assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
TAXPAYER IDENTIFYING NUMBER OF ASSIGNEE
---------------------------------------

---------------------------------------

--------------------------------------------------------------------------------
              (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING
                          POSTAL ZIP CODE OF ASSIGNEE)

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

------------------------------------------------------------------------- shares
of the Common Stock represented by the within Certificate, and do hereby
irrevocably constitute and appoint

----------------------------------------------------------------------- Attorney
to transfer the said shares on the books of the within-named Corporation with
full power of substitution in the premises.

                                                                        SPECIMEN

Dated
      ------------

        ------------------------------------------------------------------
NOTICE: The signature to this assignment must correspond with the name as
        written upon the face of the the Certificate, in every particular,
        without alteration or enlargement or any change whatever.

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