Document:

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                                                                   Exhibit 10.13

                                   AGREEMENT
                                   ---------

     THIS AGREEMENT entered into by and between the following parties, to wit:
INTERCAPITAL GLOBAL FUND, LTD., an Antiguan IBC, doing business as THE ONLINE
CASINO, hereinafter referred to as "INTERCAPITAL"; and DISCOUNT CHARGE CARD,
LTD. or assigns, an Antiguan IBC, hereinafter referred to as "DCC, is as
follows:

     WHEREAS, INTERCAPITAL is the owner of Internet theme web sites called
(ONLINECASINO.COM,
ONLINESPORTSBOOK.COM, BINGOONTHENET.COM and other
domain names as they may own in the future); and

     WHEREAS, DCC is in the advertising, media, and barter business and is
willing to trade advertising media to INTERCAPITAL; and

     WHEREAS, all the parties are desirous of reducing this understanding to
writing;

     NOW THEREFORE IN CONSIDERATION FOR THE MUTUAL PROMISES CONTAINED HEREIN AND
TEN AND 00/100 ($10.00) DOLLARS IN HAD PAID.

     1. DCC agrees to provide up to $5,000,000.00 Five Million Dollars worth of
        advertising media to INTERCAPITAL, from DCC current and future inventory
        to market the INTERCAPITAL web sites. The First Tranche media shall
        consist of $1,000,000.00 One Million Dollars and the Second Tranche
        media shall be for up to 4,000,000.00 Four Million Dollars. The Second
        Tranche shall be at the option of both parties and must be agreed to in
        writing.

     2. INTERCAPITAL agrees to provide the corresponding dollar amount in I-
        Chips for each dollar of advertising media provided by DCC under the
        First or Second Tranche. INTERCAPITAL agrees to guarantee the total
        payment of all I-Chips and payouts to DCC members who play on the
        INTERCAPITAL web site.

     3. After the First Tranche as described above, DCC, if agreed to by both
        parties, shall provide INTERCAPITAL with advertising media placement up
        to an additional

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        $4,000,000.00 Four Million Dollars under the Second Tranche from DCC
        current and future inventory, and INTERCAPITAL agrees to provide the
        corresponding dollar amount in I-Chips for each dollar of advertising
        media provided by DCC.

     4. All media placement shall be according to monthly media and/or goods and
        services schedules developed jointly by the parties, and approved by
        INTERCAPITAL prior to placement.

     5. DCC shall have the right to allow credits to be utilized by DCC members
        or any other entities, in DCC's sole discretion, for the purchase of the
        following from INTERCAPITAL:

        a.   Except as otherwise provided herein, Internet casino/gaming credits
             of not more than Five Hundred and no/100 Dollars ($500.00) per day
             per member, with a monthly limit of Four Thousand and no/100
             Dollars ($4,000.00), which can be increased by providing the
             additional information as required under Antiguan law. The
             following rules and/or restrictions will apply to the use of all
             such credits:

         (1)  The DCC member will setup an account with DCC, and purchase from
              DCC's Web site, E-Dollar credits (E-Dollar credits are the DCC
              form of currency on their virtual mall web site) which may be
              redeemed at any INTERCAPITAL web site by the member providing
              his/her DCC online account number as a form of payment on its
              Internet sites and INTERCAPITAL agrees to process all DCC charges
              through DCC's processor.

         (2)  The member will be allowed to place up to $500.00 per day in E-
              Dollars pursuant to Section (5) (a) against the DCC credit in
              wagers with INTERCAPITAL's theme sites for use at the casinos,
              sportsbook, or any other available wagering options that may be
              offered through the INTERCAPITAL theme web sites. Any additional
              bets over the $500.00 per day will be collected by INTERCAPITAL
              according to INTERCAPITAL's

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              standard procedures and will not be applied against the DCC
              credit.

         (3)  The credits issued will be "non-negotiable." That is, the credits
              may not be redeemed for cash, and will be accepted for wagering on
              INTERCAPITAL's Internet theme sites only.

         (4)  Whenever the member loses a wager, where the non-negotiable credit
              is in play, the non-negotiable credit will be surrendered to the
              house. If the member wins a wager where a non-negotiable credit is
              in play, the member shall retain the non-negotiable credit, and
              INTERCAPITAL would pay the winning hand with a cash credit, and
              the non-negotiable credit shall remain with the member.

         (5)  Unused non-negotiable credits may only be redeemed by the
              INTERCAPITAL cashier for a DCC credit voucher equal to the amount
              of all remaining credits. This credit can be transferred back to
              the DCC Web site.

         (6)  Any cash credits accumulated by a member may be redeemed for a
              credit on a national credit card or be paid by check pursuant to
              INTERCAPITAL's standard policies for redeeming cash credit
              balances. Failure by INTERCAPITAL to make payments within 14 days
              of a request to cash out shall be a material breach of this
              Agreement.

       b.   The $500.00 limit shall apply to all DCC members except Robert Roth,
            Darleen Roth Ric Roth, and Mark Mechanic, whose limit for each shall
            be $5,000.00 per day.

   6.  Both media provided to INTERCAPITAL and credits provided to DCC shall be
       good until used and there shall be no time limit on such use by either
       party. Moreover, credits shall be as good as cash, except for the limits
       provided herein, and they shall be accepted for payment at all times,
       including in conjunction with specials, promotions, or other discounts
       offered by INTERCAPITAL to the general public including any bonuses.
       INTERCAPITAL agrees to continuously accept the DCC credits on its
       Internet theme

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       sites from its date of commencement until such time as the credits under
       this agreement are exhausted or until this Agreement is terminated in
       accordance with its terms.

   7.   It is understood that in order for DCC to enter into this Agreement and
        create a system in which to facilitate the sale of the credits,
        INTERCAPITAL has agreed to do the following. Failure of INTERCAPITAL to
        comply with any of the terms in this section shall constitute a default
        by INTERCAPITAL under this Agreement:

        a)  INTERCAPITAL shall provide all necessary computer programming to
            facilitate the DCC I-Chip redemption at INTERCAPITAL's expense.

        b)  INTERCAPITAL shall track the non-negotiable credits in the members
            account and provide all the necessary programming to accurately
            track both the non-negotiable credits and negotiable credits at
            INTERCAPITAL's expense.

        c)  INTERCAPITAL shall provide real time reporting to all DCC members.

        d)  DCC shall be allowed to audit its member accounts with INTERCAPITAL
            with reasonable notice.

   8.   INTERCAPITAL recognizes that DCC intends to market INTERCAPITAL in
        various ways including, but not limited to, advertising in public
        electronic and print media throughout the world. Accordingly,
        INTERCAPITAL agrees to the use of its trade names, "ONLINECASINO.COM,
        ONLINESPORTSBOOK.COM, BINGOONTHENET.COM" and any other trade names that
        INTERCAPITAL may use in the future, in DCC's marketing activities,
        including publication in any of DCC's marketing materials. DCC agrees to
        provide INTERCAPITAL with a draft of the copy to be used in the
        publication or marketing material, prior to publication, for
        INTERCAPITAL's prior written approval, which will not be unreasonably
        withheld. INTERCAPITAL agrees to prominently display as a form of
        payment and a banner, DCC's logo on its Internet site, and to distribute
        DCC membership materials to its customers if so requested.

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   9.   If in the event INTERCAPITAL discontinues its Internet theme sites
        and/or any Federal, State, or Local United States authority rules that
        the arrangement herein may be in violation of any laws of the United
        States of America, then DCC shall have the right to immediately call due
        and payable any outstanding balance owed at that time by INTERCAPITAL in
        cash. Media and/or goods and services which have, at the point of
        termination, been provided to INTERCAPITAL by DCC, in excess of DCC
        member charges (i.e. "positive credit balance"), will be paid in cash to
        DCC at a rate of 65% of the balance outstanding, within 7 days after
        written or electronic mail notice. Media and/or other goods and
        services, which have not yet been provided to INTERCAPITAL under the
        agreement, will be canceled.

        At the point of termination, if there exists a negative credit balance
        (i.e. DCC member charges exceed INTERCAPITAL's credit commitment
        pursuant to this agreement, then DCC shall remit to INTERCAPITAL, upon
        written or electronic notice, an amount equal to 50% of the outstanding
        negative balance after all existing outstanding I-Chips and cash credits
        have been used or paid to the DCC members.

        In either case, and in connection with this paragraph, once payment is
        made, there will be no further obligation by either party to the other.

   10.  Either party may assign this Agreement with the prior written approval
        of the other party, which approval will not be unreasonably withheld.
        Either party may assign this Agreement without the prior written
        approval of the other party in the event of sale or merger of
        substantially all the business assets as long as the new company is as
        financially capable of performing under the terms of this Agreement. The
        assignee shall have the rights and be bound by all of the terms and
        conditions of this Agreement and shall execute a written agreement
        pursuant to which the assignee shall become a party to this Agreement.

   11.  If DCC does not provide creative or production services to INTERCAPITAL,
        then DCC shall have no responsibility for such work used in the
        placement of advertising for INTERCAPITAL pursuant to this Agreement. In
        that case,

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        DCC's sole responsibility to INTERCAPITAL is to obtain, and pay for all
        direct advertising costs, or other goods and services, to which the
        parties may agree from time to time. If DCC provides creative or
        production services to INTERCAPITAL, then DCC will first obtain approval
        from INTERCAPITAL, prior to the placement of advertising for
        INTERCAPITAL pursuant to this Agreement. DCC shall be entitled to a
        mutually agreeable fee, payable in cash by INTERCAPITAL, for any
        creative or production services

   12.  Refusal by INTERCAPITAL of any DCC member credits on its Internet theme
        sites for any reason shall constitute a default under this Agreement,
        with the following exceptions:

        a.   If DCC has indicated that the member's credits are invalid, and has
             instructed INTERCAPITAL not to accept the member's credits.

        b.   If the member's charges in any visit exceed the limit that DCC has
             set for INTERCAPITAL.

        c.   If INTERCAPITAL's business has experienced an interruption, either
             planned or unplanned, due to natural disaster; state of emergency;
             major telecommunications, satellite or ISP failure; or other
             significant event beyond INTERCAPITAL's ability to influence,
             control or predict. In those instances where interruptions are
             foreseeable (e.g., scheduled server maintenance, system testing,
             etc.) INTERCAPITAL shall so notify DCC at least 30 days prior to
             interruption, in writing. In any such case, INTERCAPITAL will
             provide DCC with as much advance notice as possible.

        d.   If DCC has breached its obligations under this Agreement.

        e.   If this Agreement has expired pursuant to its terms or has been
             terminated by the parties, as provided herein.

        f.   If refusal was the result of a good faith mistake on INTERCAPITAL's
             part.

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    13.   If INTERCAPITAL experiences an interruption in business for a period
          of 90 days or longer, DCC may demand payment, in cash, pursuant to the
          terms governing INTERCAPITAL's termination rights, hereunder, as set
          forth in Section 9 and may cancel all advertising media previously
          placed.

    14.   INTERCAPITAL will prepare a detailed report, as designated by DCC, on
          a daily basis. INTERCAPITAL will transmit electronically by email to
          DCC all such transactions (data fields and report format to be
          mutually agreed to by both parties). DCC shall provide a monthly
          statement of all advertising media placed and run by INTERCAPITAL.

    15.   In the case of default or breach by INTERCAPITAL, DCC, at its option,
          may cancel all advertising media currently placed and/or running.

    16.   INTERCAPITAL will notify DCC in writing by certified mail, return
          receipt requested, with 30 days notice, when it projects, based on
          historical usage rates, that INTERCAPITAL's DCC credit balance is
          anticipated to be Zero dollars ($0.00). After such notice, DCC shall
          have forty-five (45) days to notify its members and INTERCAPITAL will
          continue accepting the DCC member credits during the forty-five (45)
          day period. In the event that DCC charges are made in excess of
          INTERCAPITAL media usage, INTERCAPITAL may accept additional goods
          and/or services from DCC inventory, or request 50% payment in cash for
          such overages incurred during the balance of the forty-five (45) day
          period after all existing outstanding I-Chips and cash credits have
          been used or paid to the DCC members . Acceptance of the DCC member
          credits and cash payment in lieu of goods and/or services past the
          forty-five (45) day period will be made at INTERCAPITAL's sole
          discretion.

   17.    All press releases concerning this Agreement which the parties
          individually or jointly wish to disseminate shall require the approval
          of both parties, which approval shall not be unreasonably withheld.
          TTLN agrees that it will not use the name of RMR or Robert Roth in
          connection with any public press releases.

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   18.    INTERCAPITAL agrees that, during the term of this Agreement and for
          twelve (12) months after the date of termination or expiration hereof,
          it shall not offer employment to, employ, or endeavor to entice away
          from DCC or any third party providing services to DCC in connection
          with this Agreement any person who worked principally on this program
          or interfere in any way with the employment or contractual
          relationship between such person and DCC.

          DCC agrees that during the term of this Agreement and for twelve (12)
          months after the date of termination or expiration hereof, it shall
          not offer employment to, employ, or endeavor to entice away from
          INTERCAPITAL any person employed by INTERCAPITAL or TTLN during the
          term of this Agreement who worked on the INTERCAPITAL program or
          interfere in any way with the employment relationship between such
          employee and INTERCAPITAL.

   19.    Neither party nor its suppliers, subcontractors, affiliates,
          subsidiaries, or parent corporation shall be liable for any indirect,
          incidental, reliance, special or consequential damages (including
          among other things, lost profits) sustained or incurred in connection
          with this Agreement unless agreed to in writing by such party; this
          Agreement does not provide third parties with any remedy, claim,
          liability, reimbursement, cause of action or other right or privilege.

   20.    Neither this Agreement nor any term or provision thereof may be
          changed, waived, discharged, or terminated orally, or in any manner
          other than by an instrument in writing signed by the party against
          which enforcement of the change, waiver, discharge, or termination is
          sought.

    21.   This Agreement shall be binding upon and inure to the benefit of the
          respective parties, and their successors and assigns, heirs and
          personal representatives, except as otherwise provided herein.

    22.   This Agreement may be executed in any number of counterparts, each of
          which shall be deemed to be an original.

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<PAGE>

    23.   If a dispute develops hereunder, the prevailing party shall be
          entitled to attorney's fees and costs at all states of any proceeding
          or litigation. This agreement shall be construed and governed by
          Florida law and, subject to Section 23, the parties consent to the
          jurisdiction of Florida courts to determine any disputes arising
          hereunder. Further, the parties consent to venue in Miami-Dade County.

    24.   The parties hereby agree that if a dispute develops hereunder between
          the parties, they agree to submit said dispute for resolution to the
          American Arbitration Association (AAA) in Miami, Florida for binding
          arbitration in accordance with the rules thereof. Any decision may be
          established in a court of competent jurisdiction. The prevailing party
          shall be entitled to reasonable attorney's fees and costs, which the
          parties hereby agree may be awarded by the arbitrator

    25.   The parties agree that, notwithstanding anything to the contrary
          contained in this Agreement, in the event of a breach of this
          Agreement by either party, the parties shall be entitled to any and
          all legal and equal remedies.

    26.   All notices, demands and other communications given hereunder shall be
          in writing and shall be deemed to have been duly given upon (1) hand
          delivery or (2) on the first business day after delivery of the same
          to an express courier or (3) by mailing U.S. certified mail, return
          receipt requested, postage prepaid, addressed as follows:

          The Parties:

          INTERCAPITAL GLOBAL FUND, LTD.
          1411 Peel Street
          Suite 500
          Montreal, Quebec, Canada H3A 1S5
          514-842-6999

          With copy to:  Irwin Latner, Esquire
          Sadis & Goldberg, LLC
          463 7th Avenue, Suite 1601
          New York, NY 10018
          212-947-3793
          212-947-3796 fax

                                       9
<PAGE>

          DISCOUNT CHARGE CARD, LTD.
          60 Nevis Street, Box
          St, Johns, Antigua

          With copy to:     David M. Goldstein, Esquire
                            100 SE 2nd Street, Suite 2750
                            Miami, Florida 33131
                            305-372-3535
                            305-577-8232 fax

         or such other address or to such other person as any party shall
         designate to the others for such purpose in the manner herein above set
         forth.

   27.   If any provision or any portion of any provision of this Agreement, or
         the application of any such provision or any portion thereof to any
         person or circumstance shall be held invalid or unenforceable, the
         remaining portion of such provision and remaining provisions of this
         Agreement, or the application of such provision or portion of such
         provision as is held invalid or unenforceable to persons or
         circumstances other than those as to which it is held invalid or
         unenforceable, shall not be affected thereby.

           IN WITNESS WHEREOF, the parties to this Agreement by their duly
         authorized representatives have executed this Agreement in one or more
         counterpart(s) as of this 13th day of June, 2000. This Agreement
         supercedes any and all prior agreements between the parties.

         Witnessed:            AS TO THE PARTIES:

                               INTERCAPITAL GLOBAL FUND, LTD.

__________________             By:  ________________________

__________________                  ___________________, President

                               DISCOUNT CHARGE CARD, LTD.

[SIGNATURE APPEARS HERE]           [SIGNATURE APPEARS HERE]
________________________       By:  _________________________

                                       10
<PAGE>

                                   AGREEMENT
                                   ---------

        THIS AGREEMENT entered into by and between the following parties, to
wit: TOTAL ENTERTAINMENT, INC an Indiana corporation, hereinafter referred to as
"TTLN"; and RMR ADVERTISING, INC., a Florida corporation, hereinafter referred
to as "RMR", is as follows:

        WHEREAS, TTLN is a public company listed on the OTC Bulletin Board
 Market maintained by NASDAQ, trading under the symbol of "TTLN", and

        WHEREAS, RMR is in the advertising, media, and barter business, and

        WHEREAS, all the parties are desirous of reducing this understanding to
writing;

        NOW THEREFORE IN CONSIDERATION FOR THE MUTUAL PROMISES CONTAINED HEREIN
AND TEN AND 00/100 ($10.00) DOLLARS IN HAD PAID.

   1.   Intercapital Global Fund, Ltd. ("INTERCAPITAL"), a wholly owned
        subsidiary of TTLN and Discount Charge Card, Ltd. ("DCC"), wholly owned
        by Robert Roth who, in addition wholly owns RMR, have entered into an
        agreement attached as Addendum "A" hereto.

    2.  TTLN agrees to guarantee all payments due, if any, by INTERCAPITAL to
        DCC under the attached Agreement. Failure of TTLN to make such payments
        within 7 days of written notice shall constitute default by TTLN under
        this Agreement. Payments include any outstanding monies due DCC or its
        members including, but not limited to, the total payment of all I-Chips
        and payouts to DCC members who play on the INTERCAPITAL web site and any
        monies due which a court or arbitrator has ruled INTERCAPITAL to pay
        DCC.

   3.   RMR agrees to guarantee all payments due, if any, by DCC to INTERCAPITAL
        under the attached Agreement. Failure of RMR to make such payments
        within 7 days of written notice shall constitute default by RMR under
        this Agreement. In addition, RMR agrees to guarantee to provid e all
        advertising media placement by DCC to INTERCAPITAL under the

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<PAGE>

        attached Agreement. Payments include, but are not limited to, any monies
        due which a court or arbitrator has ruled DCC to pay INTERCAPITAL.

   4.   All press releases concerning this Agreement which the parties
        individually or jointly wish to disseminate shall require the approval
        of both parties, which approval shall not be unreasonably withheld. TTLN
        agrees that it will not use the name of RMR or Robert Roth in any public
        press releases.

   5.   Either party may assign this Agreement with the prior written approval
        of the other party, which approval will not be unreasonably withheld.
        Either party may assign this Agreement without the prior written
        approval of the other party in the event of sale or merger of
        substantially all the business assets as long as the new company is as
        financially capable of performing under the terms of this Agreement. The
        assignee shall have the rights and be bound by all of the terms and
        conditions of this Agreement and shall execute a written agreement
        pursuant to which the assignee shall become a party to this Agreement.

   6.   Neither this Agreement nor any term or provision thereof may be changed,
        waived, discharged, or terminated orally, or in any manner other than by
        an instrument in writing signed by the party against which enforcement
        of the change, waiver, discharge, or termination is sought.

   7.   This Agreement shall be binding upon and inure to the benefit of the
        respective parties, and their successors and assigns, heirs and personal
        representatives, except as otherwise provided herein.

   8.   This agreement shall be construed and governed by Florida law and,
        subject to Paragraph 8, the parties consent to the jurisdiction of
        Florida courts to determine any disputes arising hereunder. Further, the
        parties consent to venue in Miami-Dade County.

   9.   The parties hereby agree that if a dispute develops hereunder between
        the parties, they agree to submit said dispute for resolution to the
        American Arbitration Association (AAA) in Miami, Florida for binding
        arbitration in accordance with the rules thereof. Any decision may be
        established in a court of

                                       12
<PAGE>

        competent jurisdiction. The prevailing party shall be entitled to
        reasonable attorney's fees and costs, which the parties hereby agree may
        be awarded by the arbitrator.

   10.  The parties agree that, notwithstanding anything to the contrary
        contained in this Agreement, in the event of a breach of this Agreement
        by either party, the parties shall be entitled to any and all legal and
        equal remedies. The prevailing party shall be entitled to attorney's
        fees and costs at all states of any proceeding or litigation.

   11.  All notices, demands and other communications given hereunder shall be
        in writing and shall be deemed to have been duly given upon (1) hand
        delivery or (2) on the first business day after delivery of the same to
        an express courier or (3) after the third business day after mailing
        U.S. certified mail, return receipt requested, postage prepaid,
        addressed as follows:

               The Parties:

               TOTAL ENTERTAINMENT, INC.
               1411 Peel Street
               Suite 500
               Montreal, Quebec, Canada H3A 1S5
               514-842-6999

               With copy to:      Irwin Latner, Escuire
                                  Sadis & Goldberg, LLC
                                  463 7th Avenue, Suite 1601
                                  New York, NY 10018
                                  212-947-3793
                                  212-947-3796 fax

     RMR ADVERTISING, INC.
     600 NE 36th Street
     Miami, FL 33137
     305-573-2800
     305-573-1410 fax

     With copy to:                David M. Goldstein, Esquire
                                  100 SE 2nd Street, Suite 2750
                                  Miami, Florida 33131
                                  305-372-3535
                                  305-577-8232 fax

                                       13
<PAGE>

        or such other address or to such other person as any party shall
        designate to the others for such purpose in the manner herein above set
        forth.

   12.  If any provision or any portion of any provision of this Agreement, or
        the application of any such provision or any portion thereof to any
        person or circumstance shall be held invalid or unenforceable, the
        remaining portion of such provision and remaining provisions of this
        Agreement, or the application of such provision or portion of such
        provision as is held invalid or unenforceable to persons or
        circumstances other than those as to which it is held invalid or
        unenforceable, shall not be affected thereby.

   13.  This Agreement may be executed in any number of counterparts, each of
        which shall be deemed to be an original.

        IN WITNESS WHEREOF, the parties to this Agreement by their duly
   authorized representatives have executed this Agreement in one or more
   counterpart(s) as of this 13th day of June, 2000. This Agreement supercedes
   any and all prior agreements between the parties.

Witnessed:                   AS TO THE PARTIES:

                             TOTAL ENTERTAINMENT, INC.

__________________           By:  ________________________

__________________                ___________________, President

                             RMR ADVERTISING, INC.

[SIGNATURE APPEARS HERE]        [SIGNATURE APPEARS HERE]
________________________    By:  _________________________

[SIGNATURE APPEARS HERE]         ROBERT ROTH
________________________         ___________________, President

                                       14<PAGE>

                                                                     Exhibit 4.3

--------------------------------------------------------------------------------
POA             INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE
--------------------------------------------------------------------------------

                          UNITED ROAD SERVICES, INC.

                             PAR VALUE $.001 EACH
              SERIES A PARTICIPATING CONVERTIBLE PREFERRED STOCK
                                                                 See Reverse for
                                                             Certain Definitions

This is to Certify that ________________________________________ is the owner of

________________________________________________________________________________

   FULLY PAID AND NON-ASSESSABLE SHARES OF SERIES A PARTICIPATING CONVERTIBLE
                               PREFERRED STOCK OF
                           UNITED ROAD SERVICES, INC.

transferable on the books of the Corporation by the holder hereof in person or
by duly authorized Attorney upon surrender of this Certificate properly
endorsed.
Witness, the seal of the Corporation and the signature of its duly authorized
officers.

Dated

   ________________________________             ______________________________
                          SECRETARY                                  PRESIDENT
<PAGE>

                                                                     Exhibit 4.3

     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)

For value received _______________ hereby sell, assign and transfer unto

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

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

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

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

------------------------------------------------------------------------- Shares
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.

     Dated ______________________  _______
               In presence of

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

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

NOTICE:   THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS
WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR WITHOUT ALTERATION
OR ENLARGEMENT OR ANY CHANGE WHATEVER.

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