Document:

GUARANTY AGREEMENT

     RAYMOND SCHWARTZ, an individual,  having his primary residence address at 9
Fairview Terrace, Maplewood, New Jersey,  (hereinafter called "Guarantor"),  has
requested 7 BECKER FARM ASSOCIATES, a New Jersey limited partnership,  having an
address c/o Bellemead  Management Co., Inc., 280 Corporate Center, 4 Becker Farm
Road, :Roseland,  New Jersey 07068 (hereinafter called "Landlord") to consent to
a  certain  assignment  and  assumption  agreement  dated  as of June  12,  1992
("Assignment  and  Assumption   Agreement")  between  (i)  Peter  T.  Maher  and
Guarantor,  collectively as assignor, and (ii) M&S Corporate Holdings,  Inc., as
assignee,  which  transfers  that certain lease dated as of July 1, 1992 between
(a)  Landlord and (b)  Guarantor  and Peter T. Maher (said lease as the same may
have been or may hereafter be amended is  hereinafter  called the "Lease").  M&S
Corporate Holdings, Inc. and any successor thereto is hereinafter referred to as
"Tenant".  In  order  to  induce  Landlord  to  consent  to the  Assignment  and
Assumption  Agreement,  Guarantor,  irrespective of any circumstances  which may
constitute a legal or  equitable  defense or discharge of a guarantor or surety,
hereby guarantees,  unconditionally and absolutely,  to Landlord, its successors
and  assigns   (without   requiring  any  notice  of   nonpayment,   nonkeeping,
nonperformance  or  nonobservance or proof of notice or demand whereby to charge
Guarantor,  all of  which  Guarantor  hereby  expressly  waives),  the  full and
faithful, keeping, performance and observance, of all the covenants, agreements,
terms, provisions and conditions of the Lease provided to be kept, performed and
observed by Tenant (expressly  including,  without being limited to, the payment
as and when due of Minimum Rent, Adjusted Minimum Rent, additional rent, charges
and  damages  payable by Tenant  under the Lease) and the payment of any and all
other  damages for which Tenant shall be liable by reason of any act or omission
contrary to any of said covenants, agreements, terms, provisions or conditions.

     To further  induce  Landlord to consent to the  Assignment  and  Assumption
Agreement  and in  consideration  of  such  consent,  Guarantor  represents  and
warrants that:

     (a)  This  Guaranty  constitutes  Guarantor's  valid  and  legally  binding
agreement enforceable in accordance with its terms.

     (b) The execution,  delivery and  performance by Guarantor of this Guaranty
does not contravene any law,  governmental rule,  regulation or order applicable
to  Guarantor,  and does  not and  will not  contravene  any  provision  of,  or
constitute  a  default  under,  any  indenture,   mortgage,  contract  or  other
instrument to which Guarantor is a party or otherwise binding upon Guarantor.

     (c) No consent or  approval  of,  giving  notice to,  registration  with or
taking of any other action with respect of, any governmental authority or agency
is required with respect to the execution, delivery and performance by Guarantor
of this Guaranty.

     (d) There are no actions,  suits,  proceedings or claims pending or, to the
best of Guarantor's knowledge,  threatened against or affecting Guarantor in any
court or before any governmental commission,  board, authority, or otherwise, if
adversely determined,  will adversely affect the ability of Guarantor to perform
its obligations under this Guaranty.

     To further  induce  Landlord to consent to the  Assignment  and  Assumption
Agreement and in  consideration  of such  consent,  Guarantor  hereby  expressly
covenants and acknowledges as follows:

          (1) The obligations  hereunder of Guarantor shall not be terminated or
affected in any way or manner  whatsoever  by reason of  Landlord's  resort,  or
Landlord's  omission to resort, to any summary or other proceedings,  actions or
remedies for the enforcement of any of Landlord's rights under the Lease or with
respect to the premises  thereby  demised or by reason of any extensions of time
or indulgences granted by Landlord,  or by reason of the assignment or surrender
of all or any part of the Lease or the term and estate thereby granted or all or
any part of the  premises  demised  thereby  except to the extent that Tenant is
released in writing by Landlord from any obligation in connection  with any such
assignment or surrender.  The liability of Guarantor is coextensive with that of
Tenant and also  joint and  several,  and action or suit may be brought  against
Guarantor  and carried to final  judgment  and/or  completion  and recovery had,
either with or without making Tenant a party thereto.  Insofar as the payment by
Tenant of any sums of money to Landlord is involved,  this  Guaranty is guaranty
of payment and not of collection and shall remain in full force and effect until
payment in full to  Landlord  of all sums

                                      -1-
<PAGE>

payable under the Lease.  Guarantor  waives any right to require that any action
be brought  against  Tenant or any other  guarantor or to require that resort be
had to any security or to any other credit in favor of Tenant.

          (2) If,  pursuant  to law or to any option  granted by the Lease,  the
Lease shall be renewed,  or its term  extended,  for any period  beyond the date
specified in the Lease for the  expiration  of said term, or if the Tenant holds
over beyond the term of the Lease, or if pursuant to any such option, additional
space shall be included in, or substituted  for all or any part of, the premises
demised by the Lease, or if the Lease be modified by agreement  between Landlord
and Tenant in any other similar or dissimilar respect, the obligations hereunder
of  Guarantor  shall  extend  and apply with  respect  to the full and  faithful
keeping, performance and observance of all of the covenants,  agreements, terms,
provisions and conditions  which under such renewal of the Lease or extension of
its term and/or with respect to any such  additional  space,  or which under any
supplemental indenture or new lease or modification agreement,  entered into for
the purpose of expressing or confirming any such renewal, extension,  inclusion,
substitution or modification,  are to be kept,  performed and observed by Tenant
(expressly  including,  without being limited to, the payment as and when due of
Minimum  Rent,  Adjusted  Minimum  Rent,  additional  rent,  charges and damages
provided for  thereunder) and the payment of any and all other damages for which
Tenant shall be liable by reason of any act or omission  contrary to any of said
covenants, agreements, terms, provisions or conditions.

          (3) Neither the giving nor the  withholding by Landlord of any consent
or approval  provided for in the Lease shall  affect in any way the  obligations
hereunder of Guarantor.

          (4)  Guarantor  expressly  agrees  (without  in any way  limiting  its
liability under any other  provision of this Guaranty) that Guarantor  shall, at
the  request of  Landlord,  enter into a new lease with  Landlord  upon the same
terms  and  conditions  as  contained  :in the  Lease  immediately  prior to its
termination  for a term  commencing  on the  termination  date of the  Lease and
ending on the expiration  date of the Lease if (a) the Lease shall be terminated
due to a  default  by  Tenant  thereunder,  or (b) in any  proceeding  under the
Bankruptcy  Code of the  United  States,  as amended  from time to time,  or any
proceeding under any other similar present or future federal or state law, or as
a result of the decision of any court  interpreting  any of the same,  the Lease
shall be terminated or rejected or the  obligations of the Tenant  thereunder or
any rights or remedies  Landlord  may have  against the Tenant shall be limited,
impaired,  stayed, changed, released or modified on account of the same. Neither
Guarantor,  s obligation  to make payment in  accordance  with the terms of this
Guaranty nor any remedy for the enforcement thereof shall be impaired, modified,
changed, stayed, released or limited in any manner whatsoever by any impairment,
modification,  change, release, limitation or stay of the liability of Tenant or
its estate in bankruptcy or any remedy for the  enforcement  thereof,  resulting
from the operation of any present or future  provision of the Bankruptcy Code of
the  United  States  or  other  statute  or  from  the  decision  of  any  court
interpreting  any of the same,  and  Guarantor  shall be  obligated  under  this
Guaranty  as if no such  impairment,  stay,  modification,  change,  release  or
limitation had occurred.

          (5)  Until  all of  Tenant's  obligations  under  the  Lease are fully
performed, Guarantor (a)waives any right of subrogation against Tenant by reason
of any payment or acts of  performance.  by  Guarantor  in  compliance  with the
obligations of Guarantor  under this  Guaranty;  (b)waives any other right which
Guarantor may have against  Tenant by reason of any one or more payments or acts
in  compliance  with the  obligations  of  Guarantor  under this  Guaranty;  and
(c)subordinates any liability or indebtedness of Tenant held by Guarantor to the
obligations of Tenant to Landlord under the Lease.

          (6) This  Guaranty,  and all of the terms hereof,  shall be binding on
Guarantor and the successors, assigns, and legal representatives of Guarantor as
well as on Landlord and the  successors,  assigns and legal  representatives  of
Landlord. This Guaranty shall include any liability of Tenant which shall accrue
under the Lease for any period  preceding  as well as any period  following  the
term of the Lease.

          (7)  Guarantor  hereby waives the right to trial by jury in any action
or proceeding that may hereafter be instituted by Landlord against  Guarantor in
respect  of this  Guaranty.  Guarantor  waives  the  benefit  of any  statute of
limitations affecting Guarantor's liability under this Guaranty.

                                      -2-
<PAGE>

          (8) The Lease and this Guaranty shall be governed by, and  interpreted
under the laws of, and enforced in the courts of New Jersey.

          (9) Guarantor  irrevocably appoints Tenant as its agent for service of
process related to this Guaranty. Guarantor hereby irrevocably submits itself to
the  jurisdiction  of  the  courts  of  the  State  of  New  Jersey  and  to the
jurisdiction  of the United States District Court for the District of New Jersey
for the  purposes of any suit,  action or other  proceeding  brought by Landlord
arising out of or based upon this Guaranty or the Lease. Guarantor hereby waives
and agrees not to assert, by way of motion, as a defense,  or otherwise,  in any
such suit, action or proceeding,  any claim that it is not subject personally to
the  jurisdiction  of the  above-named  courts,  that its  property is exempt or
immune from  attachment  or  execution,  that the suit,  action or proceeding is
brought  in an  inconvenient  forum,  that the  venue  of the  suit,  action  or
proceeding  is  improper  or that  this  Guaranty  and/or  the  Lease may not be
enforced in or by such court.

          (10) Guarantor agrees at any time and from time to time, upon not less
than ten (10)  days'  prior  written  request,  that  Guarantor  shall  execute,
acknowledge  and deliver to Landlord,  or its  designee,  a statement in writing
certifying  that this Guaranty is unmodified and is in full force and effect (or
if there have been modifications, the specifics thereof and that the Guaranty is
in full force and  effect as  modified).  It is  intended  hereby  that any such
statement  delivered  pursuant  to  this  Paragraph  may  be  relied  upon  by a
prospective  purchaser of the  Landlord's  interest or a mortgagee of Landlord's
interest,  or  any  assignee  of any  mortgage  affecting  Landlord's  interest.
Guarantor's  failure to timely deliver such statement  shall be conclusive  upon
Guarantor that this Guaranty is in full force and effect,  without  modification
except as may be represented by Landlord.

          (11)  Guarantor   will  pay  to  Landlord  all  Landlord's   expenses,
including, but not limited to, attorney's fees, in enforcing this Guaranty.

Dated, June 12, 1992                      GUARANTOR:

WITNESSED BY:                             RAYMOND SCHWARTZ

                                          By: /s/ Raymond Schwartz
------------------------                     -----------------------
                                             Raymond Schwartz

                                      -3-M&S CORPORATE HOLDINGS, INC.

                        7 BECKER FARM ROAD, ROSELAND, NJ

                                    1,534 S.F.

                                   LEASE INDEX

EXHIBIT A - EXECUTED LEASE

EXHIBIT B - COMMENCEMENT NOTICE

EXHIBIT C - LEASE TRANSMITTAL

EXHIBIT D - GUARANTY AGREEMENT

EXHIBIT E -CERTIFICATE OF INSURANCE

EXHIBIT F - ASSIGNMENT & ASSUMPTION AGREEMENT

EXHIBIT G - BROKERAGE AGREEMENT

EXHIBIT H - FIRST AMENDMENT OF LEASE

EXHIBIT I - CORRESPONDENCE

COMMENCEMENT DATE                                          EXPIRATION DATE

09/01/94                                                        06/30/2000

<PAGE>

                            FIRST AMENDMENT OF LEASE

     FIRST AMENDMENT OF LEASE dated as of the ___ day of June,  1994,  between 7

BECKER FARM ASSOCIATES, a New Jersey limited partnership,  having an address c/o

Bellemead  Management Co., Inc., 280 Corporate Center, 4 Becker Farm Road, Third

Floor,  Roseland,  New Jersey  07068  (hereinafter  called  "Landlord")  and M&S

CORPORATE  HOLDINGS,  INC.,  a New  Jersey  corporation,  having an address at 7

Becker Farm Road, Roseland, New Jersey 07068 (hereinafter called "TenanttV").

                              W I T N E S S E T H:

     WHEREAS:

     A. Landlord and Peter T. Maher and Raymond Schwartz heretofore entered into

a certain  lease  dated as of July 1, 1992 (said lease as the same may have been

or may hereafter be amended is hereinafter called the "Lease") with respect to a

portion of the fourth  (4th)  floor in the  building  known as and  located at 7

Becker Farm Road, Roseland,  New Jersey, for a term ending on August 31, 1994 or

on such earlier date upon which said term may expire or be  terminated  pursuant

to any conditions of limitation or other  provisions of the Lease or pursuant to

law;

     B. By a certain  Assignment And Assumption  Agreement  dated as of June 12,

1992 between Peter T. Maher and Raymond  Schwartz,  as assignors,  (collectively

hereinafter  referred  to as  "Assignor")  and  Tenant,  as  assignee,  Assignor

assigned  all of its right,  title and  interest  in,  under and to the Lease to

Tenant and Tenant assumed,  and hereby ratifies and confirms that it is assuming

and shall continue to assume, the performance and observance of all of the Lease

with the same force and effect as if Tenant had  originally  executed the Lease;

and

     C. The parties hereto desire to modify the Lease in certain respects.

     NOW,  THEREFORE,  in  consideration  of the promises  and mutual  covenants

hereinafter contained, the parties hereto modify said Lease as follows:

     1. Except as  otherwise  provided  in this First  Amendment  of Lease,  all

defined terms contained in this First Amendment of Lease shall, for the purposes

hereof, have the same meaning ascribed to them in the Lease.

     2.  Notwithstanding  anything to the contrary  contained in the Lease,  the

date set forth in the Lease for the  expiration  of the term  thereof  is hereby

modified so that the  Termination  Date shall be June 30, 2000.  Landlord  shall

deliver to Tenant a notice ("Commencement Date

<PAGE>

Notice")  confirming,  among other things,  the June 30, 2000 Termination  Date.

Tenant  shall  acknowledge  the receipt and  accuracy of the  Commencement  Date

Notice by signing a copy of same and  returning  it to Landlord  within five (5)

days after Tenant's receipt thereof.

     3. Tenant covenants, represents and warrants that Tenant has had no dealing

or communications  with any broker or agent, except Peter Rasmusson of Alexander

Summer Company,  in connection with the  consummation of this First Amendment of

Lease  and  Tenant  covenants  and  agrees to pay,  defend,  hold  harmless  and

indemnify  Landlord and its directors,  officers,  partners and their affiliates

and/or  subsidiaries  from and  against  any and all cost,  expenses,  including

attorney's  fees (prior to settlement,  at trial or on appeal),  court costs and

disbursements or liability for any commission or other  compensation  claimed by

any broker or agent,  except Peter Rasmusson of Alexander  Summer Company,  with

respect to this First Amendment of Lease.

     4. The Minimum Rent for the Demised Premises shall be THIRTY THREE THOUSAND

SEVEN  HUNDRED  FORTY  EIGHT AND  00/100  DOLLARS  ($33,748.00)  for the  period

commencing on September 1, 1994 and ending on the Termination  Date,  payable in

advance on the first day of each calendar month in equal monthly installments of

TWO THOUSAND EIGHT HUNDRED TWELVE AND 33/100 DOLLARS ($2,812.33).

     5. For purposes of computing the additional  rent accruing after August 31,

1994 that is due Landlord under Section 36.4(l) of the Lease, as of September 1,

1994,  (A) Section  36.1(4) of the Lease shall be deleted and replaced  with the

following  new Section  36.1(4):  "First Tax Year shall mean the  calendar  year

ending December 31, 1994. Tax Year shall mean any calendar year thereafter." and

(B) Section 36.1(2)of the Lease shall be deleted and replaced with the following

new  Section  36.1(2):  "Base Tax Rate  shall  mean the real  estate tax rate in

effect on the date of the First  Amendment of Lease." Any payments of additional

rent due pursuant to Section 36.4(l) of the Lease shall be equitably apportioned

to reflect  that period of time during which the Lease term  coincides  with the

calendar year ending on December 31, 1994.

     6. For purposes of computing the additional  rent accruing after August 31,

1994 that is due Landlord under Section 36.5(l) of the Lease, as of September 1,

1994,  Section  36.1(3) of the Lease  shall be  deleted  and  replaced  with the

following new Section  36.1(3):  "First  Operating  Year shall mean the calendar

year ending  December 31,  1994.  Operating  Year shall mean any  calendar  year

thereafter."  Any payments of additional rent due pursuant to Section 36.5(l) of

the

                                      -3-
<PAGE>

Lease shall be equitably apportioned to reflect that period of time during which

the Lease term coincides with the calendar year ending on December 31, 1994.

     7. Peter T. Maher  executed a  Guaranty  Agreement  dated June 12,  1992 in

favor of Landlord.  By executing this First Amendment of Lease,  Peter T. Maher,

in his personal  capacity as an individual,  confirms and ratifies,  pursuant to

Paragraph (2) of the  aforementioned  Guaranty  Agreement,  that his obligations

under the Guaranty  Agreement  shall extend and apply to this First Amendment of

Lease.  Raymond  Schwartz  executed a Guaranty  Agreement dated June 12, 1992 in

favor of Landlord. By executing this First sentence,  that his obligations under

said Guaranty Agreement shall extend and apply to this First Amendment of Lease.

Raymond Schwartz  executed a Guaranty  Agreement dated June 12, 1992 in favor of

Landlord.  By executing this First Amendment of Lease, Raymond Schwartz,  in his

personal  capaci  ty  as an  individual,  confirms  and  ratifies,  pursuant  to

Paragraph (2) of the Guaranty Agreement referred to in the immediately preceding

sentence,  that his obligations  under said Guaranty  Agreement shall extend and

apply to this First Amendment of Lease until June 30, 1997.

     8. Except as modified by this First  Amendment of Lease,  the Lease and all

covenants,  agreements,  terms and conditions thereof shall remain in full force

and effect and are hereby in all respects ratified and confirmed.

     9. This First Amendment of Lease may not be changed  orally,  but only by a

writing signed by both Landlord and Tenant.

     10. Tenant acknowledges that it is in occupancy of the Demised Premises and

hereby accepts the Demised Premises in their present "as is" physical  condition

and state of repair. In this regard, Landlord shall have no obligation to do any

work or perform any services with respect to the Demised Premises.

     11. For  purposes  of Article 64. to the Lease,  the Initial  Term shall be

deemed to mean the term ending on June 30,  2000 and the  Renewal  Term shall be

deemed to mean a term of five (5) years commencing on July 1, 2000 and ending on

June 30, 2005.

     12. As of the date hereof,  the following  Sections 64.3 and 64; 4 shall be

added to and become a part of Article 64 to the Lease:

          6.43 If Tenant  properly  exercises  its option to renew and said
               exercise  remains  valid and binding as of the  commencement
               date of the Renewal Term, then, as of the commencement  date
               of the Renewal Term,  the Demised  Premises  shall be deemed
               expanded  to include  the John  Hancock  Space  (hereinafter
               defined) upon all of the terms and conditions of this Lease,
               except  as  specifically  set  forth

                                    -4-
<PAGE>

               hereinafter.  The John  Hancock  Space  shall mean the 1,460
               rentable  square  foot area shown on  Schedule  A,  attached
               hereto and made a part hereof.  The Minimum Rent payable for
               the John  Hancock  Space  shall be the product of (i) Market
               Rent or the Adjusted  Minimum Rent as of the last day of the
               Initial  Term,  whichever is greater and (ii) 1,460.  Tenant
               shall accept the John Hancock  Space in its "as is" physical
               condition and state of occupancy as of the commencement date
               of the Renewal Term and Tenant's  obligation  to pay Minimum
               Rent  for  the  John  Hancock   Space  shall  begin  on  the
               commencement  date of the Renewal Term.  Tenant shall,  upon
               Landlord's  request,  execute and deliver a Lease  amendment
               prepared by Landlord  reflecting  the  inclusion of the John
               Hancock Space within the Demised  Premises,  which amendment
               shall,  among  other  things,  increase  Tenant's  Occupancy
               Percentage and Allotted Parking.

          64.4 If, on or before the commencement  date of the Renewal Term,
               Tenant (i) breaches any term of this Lease, (ii) sublets all
               or any part of the Demised  Premises or (iii)  assigns  this
               Lease, Landlord shall have the right not to include the John
               Hancock Space within the Demised Premises.

     13. Provided (i) Tenant has not breached any term of the Lease, (ii) Tenant

has work  performed  in the  Demised  Premises  on or after  the date  hereof by

Bellemead Construction  Corporation ("BCC") and (iii) Landlord receives,  within

six (6)  months  after  the date  hereof,  a  written  notice  referencing  this

Paragraph,  then,  Landlord  shall give Tenant,  as an  inducement  for Tenant's

entering into this First  Amendment of Lease,  a credit of FORTY THREE  THOUSAND

TWO  HUNDRED  AND 00/100  DOLLARS  ($43,200.00)  ("Construction  Credit")  to be

applied only against BCC's invoice for work performed in the Demised Premises in

accordance  with Bill  Schottman's  memorandum to Tenant dated February 25, 1994

("Renovation  Work").  If Tenant  requests  any  extras or change  orders to the

Renovation Work, Tenant shall pay Landlord on demand as additional rent the cost

of performing  said extras and change orders as determined by BCC. To the extent

all or any portion of the  Construction  Credit  remains  unexpended by the date

falling six (6) months after today,  then, said unexpended  Construction  Credit

(or any part  thereof,  as the case may be)  shall be  deemed  null and void and

forever  forfeited.

     14.  If John  Hancock  Mutual  Life  Insurance  Company  (or any  successor

thereto) exercises its termination option under Article 66 of that certain lease

dated May 14, 1990  between  Landlord  and John  Hancock  Mutual Life  Insurance

Company and said exercise  remains valid and binding as of June 30, 1997,  then,

as of July 1, 1997, the Demised Premises shall be deemed expanded to include the

John Hancock Space upon all of the terms and conditions of the Lease,  except as

specifically  set forth  hereinafter.  The  Minimum  Rent  payable  for the John

Hancock Space shall be the product of (i) $20.50 and (ii) 1,460 until  otherwise

modified by

                                      -5-
<PAGE>

Section 64.3 of the Lease. Tenant shall accept the John Hancock Space in its "as

is"  physical  condition  and state of occupancy as of July 1, 1997 and Tenant's

obligation to pay Minimum Rent for the John Hancock Space shall begin on July 1,

1997.  Tenant  shall,  upon  Landlord's  request,  execute  and  deliver a Lease

amendment  prepared by Landlord  reflecting  the  inclusion  of the John Hancock

Space within the Demised  Premises,  which amendment shall,  among other things,

increase Tenant's Occupancy Percentae and Allotted Parking.

                                      -6-
<PAGE>

      IN WITNESS WHEREOF,  the parties hereto have executed this First Amendment

of Lease as of the day and the year  first  above  written.

Signed, sealed and delivered

ATTESTED BY:                          LANDLORD:

                                      7 BECKER FARM ASSOCIATES

                                      By: Becker, Farm Corp.,
                                          General Partner

/s/ Marc Leonard Ripp                     By: /s/ James S. Servidea
--------------------------------             ---------------------------------
        Marc Leonard Ripp                        James S. Servidea
       Assistant Secretary                        Vice President

APPLY CORPORATE SEAL HERE

ATTESTED BY:                          AGENT FOR LANDLORD:

                                      BELLEMEAD MANAGEMENT CO., INC.

/s/ Marc Leonard Ripp                     By: /s/ James S. Servidea
--------------------------------             ---------------------------------
        Marc Leonard Ripp                        James S. Servidea
       Assistant Secretary                        Vice President

APPLY CORPORATE SEAL HERE

ATTESTED BY:                          TENANT:

                                      M&S CORPORATE HOLDINGS, INC.

/s/ Raymond Schwartz                  By:  /s/ Peter Maher
--------------------------------          ------------------------------------
Name:  Raymond Schwartz                     Name: Peter Maher
       -------------------------                 -----------------------------
           (Please Print)                           (Please Print)
Title:  Corporate Secretary                 Title:  President

APPLY CORPORATE SEAL HERE

WITNESSED BY:                         GUARANTOR:

                                      PETER T. MAHER

/s/ Nancy Bowman                      By: /s/ Peter T. Maher
--------------------------------         -------------------------------------
                                          Peter T. Maher
Name: Nancy Bowman
     -------------------------
        (Please Print)

WITNESSED BY:                         GUARANTOR:

                                      RAYMOND SCHWARTZ

/s/ Nancy Bowman                      By: /s/ Raymond Schwartz
--------------------------------         -------------------------------------
Name: Nancy Bowman                        Raymond Schwartz
      -------------------------
       (Please Print)

                                      -7-

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