Document:

Exhibit 10.35

April 12, 2001

VIA E-MAIL

Mr. Jeffrey D. Wilson
TSET, Inc.
Two Centerpointe Drive, Suite 580
Lake Oswego, OR 97035

Dear Jeff:

        Over the past eight months, Rich Tusing and I have provided TSET and its
subsidiaries tremendous value. During this time we have focused on ways to
improve the long-term prospects and market value of TSET. Our efforts have
culminated in the development and on-going execution of a detailed business plan
for Kronos Air Technologies, the development of a comprehensive intellectual
property strategy, the operating review and subsequent disposition of Atomic
Soccer, the assumption of active operating roles in TSET and Kronos Air
Technologies, among other things.

        Despite our efforts, TSET has not been able to full fill its financial
obligations to us in a timely fashion. Therefore, I respectfully request that
the stock option strike price under the consulting contracts for Daniel R.
Dwight and Richard F. Tusing dated August 2, 2000 and the consulting contract
for Dwight, Tusing & Associates dated January 1, 2001 be revised. The stock
option exercise price should be set to the closing stock price of TSET on today,
April 12, 2001.

        Please indicate your agreement with these contractual changes by
printing, signing and dating this letter below. Copies should be provided to
Richard Tusing and myself.

Best regards,
Daniel R. Dwight

/s/ Jeffrey D. Wilson                         4/12/01
--------------------------                  ------------
Jeffrey D. Wilson
Chairman and Chief Executive Officer

cc:     Richard F. Tusing

<PAGE>EXHIBIT 10.36

                                FINDERS AGREEMENT

      This Finders  Agreement (the  "AGREEMENT")  is made and entered into as of
the effective date below between TSET,  Inc.  (TSET),  a Nevada  corporation and
Bernard  Aronson dba Bolivar  International  Inc. of 7611 Takoma Avenue,  Takoma
Park, Maryland 20912, hereinafter collectively referred to as the "FINDER").

                                    RECITALS

      TSET is interested in being introduced by Finder to prospective  Investors
for the purpose of soliciting investments in the company. For such service, TSET
is willing  to  compensate  Finder,  subject to the  covenants,  conditions  and
limitations set forth in this Agreement.

      Finder  is  willing  to  provide  the  services  contemplated  by  and  in
accordance with the covenants, conditions and limitations of this Agreement.

                                    AGREEMENT

      In  consideration  of  the  foregoing   recitals,   the  mutual  covenants
hereinafter  provided,  and for  other  good and  valuable  considerations,  the
receipt and  sufficiency of which are hereby  acknowledged,  the parties hereto,
intending to be legally bound and equitably bound, hereby agree as follows:

I     DEFINITIONS.
      -----------

For purposes of this  Agreement,  the  following  terms shall have the following
meanings:

                  1.  TSET shall mean TSET, Inc. and its subsidiaries.

                  2.  ACT  shall  mean  the  Investment  Advisers  Act  of 1940,
as amended;

                  3.  APPLICABLE  LAW shall mean and  include any law enacted by
the Congress of the United States (including,  without limitation,  the Act), by
any legislature of any of the states comprising the United States of America, by
any  parliament,  congress  or  legislature  of any  country,  province or state
outside of the United States of America.

                  4.  AUTHORIZED   FINDER  INVESTOR  shall   have   the  meaning
ascribed thereto in paragraph 2 below;

                  5.  FINDERS FEE  shall  have  the  meaning  ascribed  thereto
in paragraph 3 below;

                  6.  PERSON shall mean and include any individual, partnership,
limited liability company, corporation, trust or other entity;

                  7.  INVESTOR  shall mean Person whom shall make an  investment
into TSET by any form including debt or equity.

<PAGE>

                  8.  REGULATOR  shall  mean  and  include  the  Securities  and
Exchange  Commission,  or any agency  which  regulates  the purchase and sale of
securities  within one of the states of the United  States of  America,  and any
similar  governmental  agency of any country,  province or state  outside of the
United States.

II    SCOPE AND LIMITATIONS OF ENGAGEMENT.
      -----------------------------------

                  1.  FINDERS  AUTHORIZATION  TO INTRODUCE  TSET TO  PROSPECTIVE
AUTHORIZED  FINDER  INVESTORS.  TSET hereby  appoints  Finder and Finder  hereby
accepts such  appointment,  on a  non-exclusive  basis, to contact and introduce
TSET to Persons  believed by Finder to be Authorized  Finder  Investors that may
provide  debt and/or  equity based  financing to TSET upon terms and  conditions
agreeable to TSET. Finder shall not contact or otherwise  initiate any effort to
contact,  directly  or  indirectly,  any  Person  for the  purpose  of making an
introduction  on behalf of the TSET without the express  written  consent of the
TSET. Following execution of this Agreement, and periodically thereafter, Finder
shall  inform TSET of Persons  believed by Finder to be  prospective  Authorized
Finder Investors whom Finder desires to introduce to TSET.

By execution of this  Agreement,  all Persons in Attachment A are  authorized by
TSET as Authorized Finder  Investors.  TSET shall in good faith notify Finder in
writing  whether any  Authorized  Finder  Investor  proposed to be  contacted or
introduced by Finder to TSET  hereunder  has  previously  been  contacted by, or
previously  introduced to, TSET, in which case such proposed  Authorized  Finder
Investor shall be excluded from the list of approved Persons in Attachment A. In
connection with the execution of this Agreement and for purposes of establishing
the  compensation  payable to Finder  hereunder,  Finder shall  designate  those
Persons  that  are to be  deemed  Authorized  Finder  Investor  hereunder.  Such
designation  shall be a  condition  of  acceptance  of those  Persons  listed in
Attachment A.

                  2.  AVOIDING DISPUTES  REGARDING  FINDERS RIGHTS.  If, for any
reason, as to any specific prospective investor, Finder fails to strictly comply
with the  procedure  described  in this  paragraph 2 or fails to comply with any
other provision of this  Agreement,  Finder shall have no rights to compensation
pursuant to paragraph 3 with regard to such prospective investor.

                  3.  FINDERS  FUNCTIONS  LIMITED.  The sole  function of Finder
shall be to provide impersonal advisory services by bringing together Authorized
Finder  Investors and TSET.  Finder shall not, in any manner,  offer or sell any
investment  in TSET.  Finder shall  provide such  assistance as TSET may request
from time to time regarding the structure, evaluation, negotiation of definitive
terms of  investment  proposed by an  Authorized  Finder  Investor.  The parties
understanding  that  final  approval  of  all  such  terms  shall  be  the  sole
responsibility of TSET.

                  4.  INDEPENDENT STATUS OF FINDER.  Finder shall, at all times,
be an  independent  contractor  hereunder,  rather  than a  co-venturer,  agent,
employee,  or representative of TSET. Finder shall work  independently,  without
supervision or training by TSET,  shall be responsible for Finders taxes,  shall
not be  required  to work on a  continuing  daily  basis  or any  specific  work
schedule,  and shall not be provided with office space or administrative support
by the TSET.  Finder is permitted to engage in other  businesses  and  ventures.

                                        2
<PAGE>

Finder shall be solely  responsible  for  complying  with all laws,  rules,  and
regulations applicable to its services hereunder.

                  5.  TSET  RETAINS  ABSOLUTE  DISCRETION.  Notwithstanding  any
other provisions of this Agreement,  in accordance with TSET's fiduciary duties,
TSET, may,  in its sole and  absolute discretion,  refuse to meet  with or admit
any prospective investor, and TSET shall be under no obligation  to accept as an
investor any Authorized Finder Investor.

                  6.  CONFIDENTIALITY.  Finder  shall  assist  TSET in obtaining
execution by  Authorized  Finder  Investors  of  any  confidentiality agreements
deemed  necessary  or  proper  by  TSET  to  protect   non-public, confidential,
or proprietary information.

III   COMPENSATION.

                  1.  FINDERS  FEE.  TSET shall pay to  Finder and  Finder shall
receive  from TSET a  Finder's Fee  based  upon the  Total  Investment  Value by
Authorized  Finder Investors.  Finder's Fee will be calculated  according to the
following:

            5% of Investment Amounts from $0 - $2M.
            4% of Investments Amounts from $2M - $3M
            3% of Investment Amounts  from  $3M - $4M
            2% of Investment Amounts above $4M

Finder's Fee amounts will be paid by  conversion  into TSET share  options based
upon a) the TSET trading  closing  share price on the day that  Investment  fund
commitment is executed or b) at the contracted  investment share price whichever
is lower (e.g. based on a $2M Investment,  with a share price of $1.00, Finder's
Fee is equal to 5% x $2M / $1.00 per share for 100,000  options with an exercise
price of $1.00,  with a life of option of five years). If within eighteen months
of completion of any initial  investment by Authorized  Investor,  an additional
investment is committed,  TSET shall pay to Finder and Finder shall receive from
TSET a  Finder's  Fee of  three  percent  (3%) of  additional  investment  Total
Investment Value actually received by TSET in the same terms as described above.
The life of all options is five years from grant date.

If  investment by  Authorized  Investor is directed to Kronos Air  Technologies,
Finder may elect to take  Compensation  in Kronos Air Technology  shares if they
are so available on the same terms as described above for TSET shares.

Total Investment Value includes total value of all investments including equity,
which  includes  any options or  warrants,  debt,  which  includes any letter of
credit  and/or any barter  value for goods or  services.  Finder shall be solely
responsible  for paying  any and all  federal,  state or local  income and other
taxes arising out of payment of any compensation to Finder by TSET hereunder. If
within eighteen (18) months  following the Term of this Agreement,  TSET engages
in a Transaction with a prospective  Authorized  Finder  Investor,  Finder shall
receive the Finders Fee.

Any  compensation  payable to any person other than the consultant in connection
with the provision of the Finder's  services  hereunder shall be paid out of the
compensation  described in this Section 3, such that such compensation  shall be

                                        3
<PAGE>

the sole compensation to be paid by TSET in connection therewith.

                  2.  TRAVEL REIMBURSEMENT.  TSET shall  reimburse  pre-approved
travel or other  pre-approved  expenses  incurred by Finder in  connection  with
services to be  rendered by Finder  pursuant  to this  Agreement,  as  expressly
agreed in writing by TSET.  Pre-approved  travel and pre-approved other expenses
will  be   reimbursed   within  five  business  days  from  receipt  of  expense
documentation.  Expenses incurred by Finder pursuant to this Agreement shall not
exceed an aggregate of $5,000 without TSET's prior written consent.

                  3.  NON-CIRCUMVENTION. TSET warrants to Finder that TSET shall
not seek to circumvent Finder or contact directly any Authorized Finder Investor
not excluded by TSET in Attachment A or seek to consummate any investment of any
nature without paying to Finder the compensation described in this section 3.

IV    FINDERS WARRANTIES, REPRESENTATIONS AND ADDITIONAL COVENANTS.
      ------------------------------------------------------------

                  1.  FULL  AUTHORITY.  Finder  warrants and represents  to TSET
that: (i) Finder has the full  unrestricted  right to enter into this Agreement,
(ii) by entering  into this  Agreement,  Finder is not  violating  or  otherwise
contravening  any agreement to which Finder is bound or any Applicable  Law; and
(iii) no Person must consent to the execution and  performance of this Agreement
by Finder.

                  2.  RECEIPT OF TSET BUSINESS PLAN. Finder acknowledges receipt
of the TSET BUSINESS PLAN and represents that Finder has carefully  reviewed the
TSET  BUSINESS PLAN as well as public  information  provided by TSET pursuant to
its reporting obligations under the Securities Exchange Act of 1934, as amended,
and has been afforded an  opportunity to fully inform himself as to the contents
thereof.

                  3.  FRAUD AND BAD ACTS. Finder represents and warrants to TSET
that Finder is not now, and covenants  that Finder shall not in the future be, a
Person (i) subject to an order of any Regulator  under  Applicable  Law, or (ii)
convicted  within  the  previous  ten (10)  years of any  felony or  misdemeanor
involving conduct described Section  203(e)(2)(A)-(D)  of the Act or any similar
Applicable Law, or (iii) who has been found by any Regulator to have engaged, or
been convicted of engaging, in any conduct specified in paragraphs (1), (4) or 5
of Section 203(f) of the Act or of any other similar  Applicable Law, or (iv) is
subject to an order,  judgment or decree  described in Section  203(e)(3) of the
Act or any similar Applicable Law.

                  4.  COMPLIANCE WITH ALL LAWS.  Finder covenants with TSET that
Finder shall comply with all  Applicable  Laws in connection  with the execution
and performance of this Agreement.

                  5.  FULL  DISCLOSURE  TO  TSET.  Without  limiting  any  other
provision of this  Agreement,  Finder agrees to fully disclose all activities in
which  Finder is  engaged  pursuant  to this  Agreement  and  fully,  fairly and
accurately report the results of all contacts with Authorized Finder Investors.

                                       4
<PAGE>

V     TERMINATION.
      -----------

                  1.  This  Agreement  may be  terminated  immediately  by TSET,
without  notice,  in the event that  Finder  commits a  material  breach of this
Agreement,  in  which  event,  Finder  shall  have  no  further  entitlement  to
compensation hereunder.

                  2.  In the absence of breach by the Finder, TSET may terminate
this Agreement upon ten (10) days prior written notice to Finder. In this event,
Finder  shall be entitled to all  compensation  pursuant to  Paragraph 3 of this
Agreement with regard to investments made by an Authorized  Finder Investor,  as
if this Agreement had not been terminated.

                  3.  Finder may  terminate  this  Agreement  upon ten (10) days
prior  written  notice.  In  this  event,   Finder  shall  be  entitled  to  all
compensation   pursuant  to  Paragraph  3  of  this  Agreement  with  regard  to
investments made by an Authorized Finder Investor,  as if this Agreement had not
been  terminated;  provided,  however,  if TSET  later  determines  that  Finder
committed a material breach of this Agreement prior to such termination,  Finder
shall have no entitlement to compensation  hereunder following the occurrence of
such breach.

VI    MISCELLANEOUS.
      -------------

                  1.  BINDING  EFFECT AND  SURVIVAL OF  RIGHTS.  This  Agreement
will benefit and bind the parties and their respective personal representatives,
executors, administrators, heirs, legatees, devisees, successors and assigns.

                  2.  NOTICES.  All   notices,   demands,  requests   and  other
communications  required  or  permitted  to be  given by any  provision  of this
Agreement will be in writing addressed as follows:

      IF TO TSET:              TSET, Inc.
      ----------               333 South State Street, PMB 111
                               Lake Oswego, OR 97034
                               503.968.1547

                               Attn: Jeffrey D. Wilson, Chairman and Chief
                               Executive Officer, or
                               Richard A. Papworth, Chief Financial Officer

      IF TO FINDER:
      ------------

      Any such notice,  demand,  request or communication will be deemed to have
been given and received for all purposes under this  Agreement:  (a) on the date
of delivery  when  delivered  in person;  (b) on the date of  transmission  when
delivered by facsimile  transmission (provided such transmission is confirmed by

                                       5
<PAGE>

transmission  receipt and such notice is promptly  confirmed by some other means
described  herein);  and/or  (c) on the  next  business  day  after  the same is
deposited  with  a  nationally   recognized   overnight  delivery  service  that
guarantees  overnight  delivery;  provided,  however,  if the day  such  notice,
demand,  request or communication will be deemed to have been given and received
as  aforesaid  is  not  a  business  day,  such  notice,   demand,   request  or
communication  will be  deemed  to have  been  given  and  received  on the next
business day.

      Any party to this  Agreement  may  change  such  parties  address  for the
purpose of notice,  demands,  requests and communications  required or permitted
under this  Agreement by providing  written  notice of such change of address to
all of the parties by written notice as provided herein.

                  3.  INTERPRETATION.  The  parties  acknowledge to  each  other
that  each  party has  reviewed  and  participated  in the  negotiation  of this
Agreement.  Accordingly,  the normal rule of construction to the effect that any
ambiguities are resolved  against the drafting party will not be employed in the
interpretation of this Agreement.

                  4.  INCORPORATION.  The Recitals,  all  exhibits and schedules
attached  hereto,  or to be  attached  hereto,  and  all  other  agreements  and
instruments  referred to herein are hereby  incorporated  by reference into this
Agreement as fully as if copied herein verbatim.

                  5.  FURTHER  ASSURANCES.  The parties further agree that, upon
request, they will do such further acts and deeds and will execute, acknowledge,
deliver and record such other  documents  and  instruments  as may be reasonably
necessary  from time to time to  evidence,  confirm  or carry out the intent and
purpose of this Agreement.

                  6.  LAWFUL AUTHORITY. If any party executing this Agreement is
a corporation or limited liability company,  the individual  executing on behalf
of the corporation or limited liability company hereby personally represents and
warrants to all other  parties that he/she has been fully  authorized to execute
and deliver this Agreement on behalf of: (a) the corporation  pursuant to a duly
adopted resolution of its Board of Directors, or by virtue of its bylaws; or (b)
the limited  liability  company  pursuant to a duly  adopted  resolution  of its
members or by virtue of its operating agreement.

                  7.  ATTORNEYS  FEES.  If any legal action or other  proceeding
(including   arbitration   pursuant  to  this  Agreement)  is  brought  for  the
enforcement  of this  Agreement,  or because  of any  alleged  dispute,  breach,
default  or   misrepresentation  in  connection  with  any  provisions  of  this
Agreement, the prevailing party will be entitled to recover reasonable attorneys
fees, court costs and all reasonable expenses, even if not taxable or assessable
as court costs (including, without limitation, all such fees, costs and expenses
incident to appeal)  incurred in that  action or  proceeding  in addition to any
other relief to which such party may be entitled.

                  8.    WAIVERS AND CONSENTS.
                        --------------------

                              (1)   Each  and every  waiver of any  provision of
this Agreement  must be in writing and signed by each party whose  interests are
adversely affected by such waiver.

                                       6
<PAGE>

                              (2)  Unless  otherwise  expressly  provided  in  a
waiver,  no such  waiver  granted in any one  instance  will be  construed  as a
continuing waiver applicable in any other instance.

                              (3)  No waiver  by any party to this  Agreement to
or of any  breach  or  default  by any  other  party  to this  Agreement  in the
performance by such other party of its  obligations  hereunder will be deemed or
construed to be a waiver of any breach or default of any other party of the same
or any subsequent obligations hereunder.

                              (4)  Subject    to    applicable    statutes    of
limitation,  the failure on the part of any party to this  Agreement to complain
of any act or failure to act of any other party to this  Agreement or to declare
such other party in default,  irrespective  of how long such failure  continues,
shall  not  constitute  a  waiver  by the  non-defaulting  party  of its  rights
hereunder.

                              (5)  Each  and  every  consent  by  any  party  to
this Agreement  must be in writing  signed by the party to be bound thereby.  No
consent  will be deemed or  construed  to be a consent to any  action  except as
described in such writing.

                  9.  SECTION  HEADINGS.  The  Section  headings  contained   in
this  Agreement  are for  reference  purposes  only  and  will  not  affect  the
interpretation of this Agreement.

                  10. GOVERNING  LAW.  This  Agreement will  be governed  in all
respects,  including  validity,  interpretation  and  effect  by,  and  will  be
enforceable in accordance with, the internal laws of the State of Oregon without
regard to conflicts of laws principles.

                  11. SEVERABILITY.  If  any provision of this Agreement is held
to be unlawful,  invalid or unenforceable under present or future laws effective
during  the  term  hereof,  such  provision  will be fully  severable,  and this
Agreement will be construed and enforced without giving effect to such unlawful,
invalid  or  unenforceable  provision.  Furthermore,  if any  provision  of this
Agreement  is capable of two (2)  constructions,  one of which would  render the
provision void, and the other which would render the provision  valid,  then the
provision will have the meaning which renders it valid.

                  12. COUNTERPART  EXECUTION.  This Agreement may be executed in
multiple counterparts,  each one of which will be deemed an original, but all of
which will be considered  together as one and the same instrument.  Further,  in
making proof of this  Agreement,  it will not be necessary to produce or account
for more than one (1) such  counterpart.  Provided  all  parties  have signed at
least one counterpart,  the execution by a party of a signature page hereto will
constitute  due  execution  and will create a valid,  binding  obligation of the
party so signing,  and it will not be necessary or required that the  signatures
of all parties appear on a single signature page hereto.

                  13. AMENDMENTS.  Each and every  modification and amendment of
of this  Agreement must be in writing and except as otherwise  provided  herein,
signed by all the parties hereto.

                                       7
<PAGE>

                  14. ENTIRE  AGREEMENT.  This  Agreement  contains  the  entire
agreement  between the parties  regarding the subject matter  hereof.  Any prior
agreements,  discussions  or  representations  not  expressly  contained in this
Agreement will be deemed to be replaced by the provisions  hereof,  and no party
has relied on any such prior agreements,  discussions or  representations  as an
inducement to the execution hereof.

                  15. RULES OF CONSTRUCTION.  (a) All terms in this Agreement in
the singular and plural will have  comparable  meanings  when used in the plural
and  vice-versa  unless  otherwise  specified;  (b) the  words  hereof,  herein,
hereunder and words of similar import when used in this Agreement, will refer to
this Agreement as a whole and not any particular provision of this Agreement and
all  references  to  articles,  sections  and  subdivisions  thereof are to this
Agreement  unless  otherwise  specified;  (c) the words  include,  includes  and
including  will be deemed to be followed by the phrase without  limitation;  (d)
all pronouns and any  variations  thereof will be deemed to refer to  masculine,
feminine or neuter,  singular  or plural,  as the  identity  of the  individual,
individuals,  entity or entities may require;  (e) all  references to documents,
contracts,  agreements or instruments  will include any and all  supplements and
amendments thereto; and (f) all accounting terms not specifically defined herein
will be construed in accordance with generally accepted accounting principles or
generally accepted auditing standards then applied in the United States.

                  16. FORUM SELECTION. EXCEPT TO THE EXTENT THE COURTS IN NEVADA
DO NOT HAVE SUBJECT MATTER  JURISDICTION,  FINDER AND TSET DO HEREBY IRREVOCABLY
AND UNCONDITIONALLY  SUBMIT TO THE SOLE AND EXCLUSIVE JURISDICTION OF THE COURTS
OF THE STATE OF OREGON AND DO FURTHER IRREVOCABLY AND UNCONDITIONALLY  STIPULATE
AND AGREE THAT THE FEDERAL  COURTS IN THE STATE OF OREGON OR THE STATE COURTS OF
OREGON WILL HAVE JURISDICTION TO HEAR AND FINALLY DETERMINE ANY DISPUTE,  CLAIM,
CONTROVERSY OR ACTION ARISING OUT OF OR CONNECTED  (DIRECTLY OR INDIRECTLY) WITH
THIS  AGREEMENT  THAT IS NOT  SUBJECT  TO  ARBITRATION,  OR TO ENTER A  JUDGMENT
CONSISTENT  WITH  ANY  ARBITRATION   AWARD.   FINDER  AND  TSET  FURTHER  HEREBY
IRREVOCABLY AND UNCONDITIONALLY WAIVE ANY AND ALL OBJECTIONS OR DEFENSES TO SAID
JURISDICTION.  EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY AND UNCONDITIONALLY
AGREES THAT SERVICE UPON ANY PARTY HERETO SHALL BE MADE BY DELIVERY VIA PRIORITY
OVERNIGHT  DELIVERY (E.G.,  FEDEX) AND BY FACSIMILE OF A COPY OF SUCH PROCESS TO
THE  ADDRESS  OF SUCH  PARTY  FOR  NOTICES  TO SUCH  PARTY AS SET  FORTH IN THIS
AGREEMENT LETTER (OR SUCH DIFFERENT ADDRESS AT SUCH PARTY WILL HEREAFTER SPECIFY
IN  ACCORDANCE  WITH THE TERMS OF THIS  AGREEMENT).  THE FOREGOING  CONSENT,  IN
ADVANCE, TO THE JURISDICTION OF THE AFOREMENTIONED COURTS AND THE AFOREMENTIONED
METHOD OF SERVICE ARE MATERIAL  INDUCEMENTS FOR THE PARTIES HERETO TO ENTER INTO
THIS AGREEMENT.

                  17. PERSONAL  NATURE  OF  UNDERTAKING.   Finder   acknowledges
that the  engagement  of  Finder's  services  hereunder  by TSET is  personal to
Finder, and such services shall not be delegated or assigned to any other Person
or Finder without TSET's express prior written consent, which may be withheld in

                                       8
<PAGE>

TSET's sole and absolute discretion. [COUNTERPART SIGNATURE PAGE(S) FOLLOW]

                 COUNTERPART SIGNATURE PAGE TO FINDERS AGREEMENT

      IN WITNESS  WHEREOF,  the parties have  executed  this  Finders  Agreement
effective as of the date signed by the parties, as shown below.

                                    TSET:

                                    By:/s/ JEFFREY D. WILSON
                                       ---------------------------------------

                                    Jeffrey D. Wilson, Chairman and Chief
                                    Executive Officer

                                                      Date 4/20/01

                                     /s/ Bernard Aronson
                                    ------------------------------------------

                                                      4/11/01
                                    ------------------------------------------
                                                       Date

                                       9

<PAGE>

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