Document:

Exhibit 10.2G

                              FORBEARANCE AGREEMENT

Agreement dated August 8, 2000, between LCS GOLF, INC. a Delaware corporation,
having an address at 24 East 12th Street, New York, New York 10003 (hereafter
referred to as "LCSG" or "Borrower") and QUINTEL COMMUNICATIONS, INC., a
Delaware corporation, having an address at One Blue Hill Plaza, Pearl River, New
York 10965 (hereafter referred to as "Quintel"or "Lender"). Quintel and LCSG are
sometimes referred to as a "Party" or the "Parties".

                              W I T N E S S E T H :

      WHEREAS, LCSG borrowed $500,000.00 from Quintel (the "Loan") as evidenced
by LCSG's promissory note dated February 16, 2000 in the original principal
amount of $500,000.00 (the "LCS Note") delivered pursuant to a Loan Agreement
between Lender and Borrower dated February 16, 2000 (the "Loan Agreement"), and

      WHEREAS, pursuant to a Security Agreement dated February 16, 2000 (the
"Security Agreement"), LCSG secured its obligations under the Loan Agreement and
the LCS Note by granting Quintel a security interest in LCSG's Database (as such
term is defined in the Security Agreement) and all contracts, contract rights
and general intangibles of the Company relating to or necessary in order to use
the Database; and

      WHEREAS, concurrently with the entry into the Loan Agreement, Quintel and
LCSG entered into a Marketing Agreement dated February 16, 2000 (the "Marketing
Agreement"), pursuant to which, among other things, Quintel was granted the
right to transmit e-mail messages marketing or promoting Quintel Products and
Services (as such term is defined in the Security Agreement) to the Database;
and

      WHEREAS, Quintel has agreed on the terms set forth in this Agreement to
forbear from instituting an action to collect the amount due under the LCS Note.

      NOW, THEREFORE, the parties, in consideration of the mutual
representations and covenants contained herein, hereby agree as follows:

1.    Quintel acknowledges receipt of one $50,000.00 payment on account of the
      principal amount of the LCS Note, and that the principal balance of the
      Note as of the date of such payment and the date hereof is $450,000.00.

                                       1
<PAGE>

2.    Quintel and LCSG agree that the LCS Note is hereby amended to provide for
      payment on written demand after the date hereof and that interest shall be
      paid on the unpaid principal balance of the LCS Note at the rate of seven
      percent (7%) per annum commencing as of the date hereof and until the
      occurrence of a default under the terms of this Agreement or the LCS Note,
      after which interest shall be paid on the amounts due under the LCS Note
      at an annual rate equal to the prime rate (as defined in the LCS Note)
      plus four (4 %) percent, but in no event shall the annual rate of interest
      charged under the LCS Note exceed fourteen (14 %) percent. Interest shall
      be payable monthly on the first day of each month commencing August 1,
      2000,

3.    Concurrently herewith:

      1.    Michael Mitchell ("Guarantor") has executed and delivered to Quintel
            his guarantee of the LCS Note in the form annexed hereto as Exhibit
            1; and

      2.    LCSG has executed and delivered to Quintel an amendment to the
            Security Agreement in the form annexed hereto as Exhibit 2,
            providing among other things for the assignment to Quintel of all
            accounts receivable of LCSG now or hereafter existing, and all
            proceeds thereof ("Accounts") as additional Collateral for the
            repayment of the LCS Note and the performance and payment of all
            obligations under this Agreement and the other Obligations
            identified in the Security Agreement and four (4) copies of a form
            UCC-3 financing statement to amend the financing statement executed
            by LCSG as debtor previously filed to include the collateral covered
            by the amendment to the Security Agreement.

      3.    LCSG has delivered a certificate signed by its President and Chief
            Financial Officer certifying as true and correct the representations
            and warranties made in Section 4 below and that the execution of
            this Agreement and the amendment to the Security Agreement by LCSG
            have been duly authorized by all necessary corporate action of LCSG,
            and constitute the lawful, valid and binding obligations of LCSG,
            enforceable in accordance with their terms;

      4.    LCSG has delivered the appropriate forms establishing the Lockbox
            Account referred to in Section 5 below, identifying representatives
            of Quintel as the sole signatories to such account, together with an
            irrevocable direction to the Depository Bank not to modify such
            signatories without Quintel's written consent.

4.    LCSG represents and warrants to Quintel that annexed hereto as Schedule 1
      is a true, complete and correct list of all Accounts of LCSG, and which
      are hereby assigned to Quintel under the provisions of this Agreement and
      the Security Agreement, and that:

                                       2
<PAGE>

            1.    Each of the debtors named in the Accounts included in Schedule
                  1 is indebted to LCSG in the amount indicated as of August 14,
                  2000.

            2.    Each Account is bona fide, and arises out of the sale and
                  delivery of goods or services.

            3.    None of the Accounts is now, or will at any time become,
                  contingent upon the fulfillment of any contract whatsoever, or
                  subject to any defense, offset or counterclaim, except as may
                  be specifically noted in Schedule 1.

            4.    No agreement has been made, nor will be made, with any debtor
                  for any, reduction or discount, other than reductions or
                  discounts which in the aggregate are not material, except as
                  may be specifically noted in Schedule 1.

            5.    None of the Accounts is represented by notes or other
                  negotiable instruments, except those that have been endorsed
                  and delivered by LCSG to Quintel simultaneously with the
                  delivery of this Agreement, or as set forth in Schedule 1.

            6.    LCSG is the sole owner of the Accounts, free and clear of any
                  encumbrances, and has the right to transfer absolute title to
                  Quintel.

            7.    The stated due date on each Account on Schedule 1 is correct,
                  except for variations which in the aggregate are not material.

5.    The schedule of Accounts shall be updated on a monthly basis by LCSG,
      within ten days after the first day of each month commencing with August,
      2000, and certified by its President and Chief Financial Officer as true,
      correct and complete, and LCSG represents and warrants to Quintel that all
      such updates shall be true, correct and complete schedules of its
      Accounts. Such schedules shall contain the name, address and, if known,
      telephone number and e-mail address of each Account debtor.

      1.    Concurrently herewith, LCSG has delivered, and until payment in full
            of the LCS Note shall continue to deliver to all of the Account
            Debtors an irrevocable letter of direction to make all payments on
            the Accounts to a lockbox account at Bank of America, N.A. (the
            "Depository Bank"), as to which representatives of Quintel shall be
            the sole signatories (the "Lockbox Account".)

      2.    Until payment in full of all amounts due under the LCS Note and the
            Security Agreement:

                                       3
<PAGE>

            1.    fifty percent (50%) of collections received in the Lockbox
                  Account on the Accounts identified on Schedule 1 and
                  seventy-five percent (75%) of collections received in the
                  Lockbox Account on Accounts created after the date hereof
                  shall be paid within five (5) days after receipt to LCSG, and
                  the balance shall be paid to Quintel and credited against the
                  amounts due under the LCS Note, first to interest and then to
                  principal;

            2.    if LCSG receives any collections of the Accounts, LCSG shall
                  pay fifty percent (50%) of collections of the Accounts
                  identified on Schedule 1 and twenty-five percent (25%) of
                  collections of Accounts created after the date hereof to
                  Quintel within five (5) days after receipt, which payments to
                  Quintel shall be credited against the amounts due under the
                  LCS Note, first to interest and then to principal, and

            3.    LCSG shall pay to Quintel within five (5) days after receipt
                  fifty percent (50%) of all other cash receipts, cash
                  equivalents and marketable securities generated by LCSG from
                  any source whatsoever, including from proceeds from loans or
                  sales of assets, stock or other securities of LCSG unless
                  Quintel consents in writing to different payment arrangements
                  with respect to proceeds from loans or sales of assets or
                  stock.

      3.    Upon the occurrence of a default, all proceeds of the Accounts shall
            be applied in the manner provided in Section 4 of the Security
            Agreement.

6.    Until payment in full of all amounts due under the LCS Note and the
      Security Agreement, LCSG shall deliver to Quintel within ten (10) business
      days after the first day of each month:

      1.    a financial statement of LCSG and its subsidiaries setting forth all
            income and expenses for the preceding month and for the calendar
            year to date, certified as true and correct in all material respects
            by LCSG's President and Chief Financial Officer;

      2.    the schedule of new Accounts referred to in Section 4(a) above,
            certified as true and correct in all material respects by LCSG's
            President and Chief Financial Officer;

      3.    a statement of all collections of Accounts received by LCSG during
            the preceding month, certified as true and correct in all material
            respects by LCSG's President and Chief Financial Officer.

                                       4
<PAGE>

      2.    Quintel and LCSG shall request the Depository Bank to deliver to
            Quintel and LCSG a monthly statement of all collections of Accounts
            received in the Lockbox Account during the preceding month.

      3.    Upon payment in full of all amounts due to Quintel under the LCS
            Note and the Security Agreement, LCSG may deliver a letter of
            direction to the remaining Account Debtors consenting to payment of
            the Accounts being made to LCSG.

7.    Quintel shall continue to have the right to transmit e-mail messages to
      the Names in the Database marketing or promoting Quintel Products and
      Services in accordance with the provisions of the Marketing Agreement, and
      LCSG agrees to perform its obligations under the Marketing Agreement,
      including the provision of updates to the Database on a monthly basis.
      LCSG represents and warrants to Quintel that all additional Names in the
      Database shall be valid Names which shall have consented to the receipt of
      offers of products and services from LCSG's marketing affiliates and
      partners.

      1.    Until payment in full of the amounts due under the LCS Note and the
            Security Agreement:

            1.    the twenty-five cent ($0.25) Multibuyer Record Fee payable by
                  Quintel under the Marketing Agreement for every valid Name
                  delivered to Quintel or its Affiliate for registration in
                  multibuyer.com or grouplotto shall be credited by Quintel
                  monthly to the amounts due under the LCS Note, first to
                  interest and then to principal, within thirty (30) days after
                  the end of each month in which a Member Record is delivered,
                  and

            2.    LCSG's share of Net Revenue under the Marketing Agreement
                  shall be credited by Quintel monthly to the amounts due under
                  the LCS Note, first to interest and then to principal, at the
                  time payment of LCSG's share of Net Revenue is due under the
                  Marketing Agreement.

8.    Notwithstanding the provisions of Section 2 and the LCS Note, Quintel will
      forbear from demanding payment of the LCS Note or commencing any action
      against LCSG or its officers and directors with respect to the making of
      the Loan and the entry into the Marketing Agreement, provided that:

            1.    Quintel receives at least $10,000.00 per month in payments of
                  principal and interest on the LCS Note from LCSG, or
                  collections of the Accounts, or from the Guarantor, and

                                       5
<PAGE>

            2.    LCSG is generating gross revenues of at least $75,000.00 per
                  calendar month from the normal conduct of its business, and

            3.    LCSG is not in default in the performance of its obligations
                  under this Agreement.

9.    Nothing contained herein or in the Guaranty or the amendment to the
      Security Agreement shall be deemed to be or construed as a waiver by
      either party of any claims or other rights which it may have against the
      other party or their respective officers and directors with respect to the
      Loan, the LCS Note, the Marketing Agreement and the transactions described
      therein, all of which are specifically reserved.

10.   Upon receipt of payment of $300,000.00 under the LCS Note, Quintel shall
      deliver to LCSG a standard form of general release, releasing LCSG and its
      officers and directors from any claims regarding the Loan, the LCS Note,
      the Marketing Agreement and the transactions described therein in
      existence as of the date of this Agreement, and specifically excluding any
      claims arising under the Marketing Agreement and the transactions
      described therein after the date of this Agreement and any balance due
      under the LCS Note and the Security Agreement.

11.   The interpretation and construction of this Agreement, and all matters
      relating hereto, shall be governed by the law of the State of New York,
      without reference to its conflict of laws provisions. Unless applicable
      law requires a different method, any notice that must be given to LCSG
      under this Agreement will be given by delivering it or mailing it by first
      class mail to LCSG at its address set forth at the beginning of this
      Agreement or at such other address as LCSG may give notice of to the
      holder of this Agreement. Any action brought to enforce this Agreement may
      be brought in the State of New York, and each Party hereby consents to the
      personal jurisdiction of the federal and state courts located in the State
      of New York, and agrees that unless applicable law requires a different
      method, service of process in any such action may be made by first class
      mail upon a Party at its address set forth in the beginning of this
      Agreement or at such other address as a Party shall advise the other Party
      by written notice in accordance with this Agreement.

12.   Any notice or other communications required or permitted hereunder or
      under the Marketing Agreement shall be in writing and shall be deemed
      effective (a) upon personal delivery, if delivered by hand; (b) one day
      after the date of delivery by Federal Express or other nationally
      recognized courier service that provides a delivery receipt, if delivered
      by priority overnight delivery between any two points within the United
      States; or (c) five days after deposit in the mails, if mailed by
      certified or registered mail (return receipt requested) between any two
      points within the United States, and in each case of mailing, postage
      prepaid, addressed to a party at its address

                                       6
<PAGE>

      first set forth above, with copies to. Feder, Kaszovitz, Isaacson, Weber,
      Skala & Bass LLP, 750 Lexington Avenue, New York, New York 10022-1200,
      Attention: Geoffrey A. Bass, Telecopier #:212-888-7776, and to Littman
      Krooks Roth & Ball P.C., 655 Third Avenue, New York, NY 10017 Attn:
      Mitchell C. Littman, Telecopier #:212-490-2990, or such other address and
      telecopier number as shall be furnished in writing by like notice by any
      such party.

13.   In the event any provision of this Agreement is found to be void and
      unenforceable by a court of competent jurisdiction, the remaining
      provisions of this Agreement shall nevertheless be binding upon the
      parties with the same effect as though the void or unenforceable part had
      been severed and deleted.

14.   This Agreement may be executed in two or more counterparts, all of which
      taken together shall constitute one instrument. This Agreement, the
      Guaranty, and the amendment to the Security Agreement contain the entire
      understanding of the parties hereto with respect to the subject matter
      contained herein and therein. This Agreement, the Guaranty, and the
      amendment to the Security Agreement supersede all prior agreements and
      understandings between the parties with respect to such subject matter,
      except that the foregoing shall not impair the effectiveness of the LCS
      Note or the Marketing Agreement, which remain in effect in accordance with
      the respective terms except as modified by this Agreement. This Agreement
      may not be changed orally, but only by an agreement in writing signed by
      all parties.

IN WITNESS WHEREOF, the parties have each caused its corporate name to be
hereunto subscribed by their respective duly authorized officers on the date
first written above.

QUINTEL COMMUNICATIONS, INC.

By: /s/ Jeffrey Schwartz
    ------------------------------
    Name: Jeffrey Schwartz
          ------------------------
    Title: CEO
           -----------------------

LCS GOLF, INC.

By: /s/ Michael Mitchell
    ------------------------------
    Name: Michael Mitchell
    Title: Preseident/CEO

                                       7
<PAGE>

STATE OF NEW YORK: COUNTY OF ________________________: ss:

On the 8th day of August in the year 2000, before me, the undersigned, a Notary
Public in and for said state, personally appeared Michael Mitchell, personally
known to me or proved to me on the basis or satisfactory evidence to be the
person whose name is subscribed to the within instrument and acknowledged to me
that he executed same in his capacity, and that by his signature on the
instrument, the person, or the entity upon behalf of which the person acted,
executed the instrument.

                                  -----------------------------------
                                  Notary Public

STATE OF NEW YORK: COUNTY OF ________________________: ss:

On the _____ day of August in the year 2000, before me, the undersigned, a
Notary Public in and for said state, personally appeared
____________________________________, personally known to me or proved to me on
the basis or satisfactory evidence to be the person whose name is subscribed to
the within instrument and acknowledged to me that he executed same in his
capacity, and that by his signature on the instrument, the person, or the entity
upon behalf of which the person acted, executed the instrument.

                                  -----------------------------------
                                  Notary Public

                                       8
<PAGE>

                                   SCHEDULE 1

                                List of AccountsExhibit 10.2H

                       AMENDMENT # 1 TO SECURITY AGREEMENT

      AMENDMENT #1 made as of the 8th day of August, 2000 amending a Security
Agreement dated February 16, 2000 by and between LCS GOLF, INC. , a Delaware
corporation (hereafter referred to as the "Company" or the "Debtor"), having an
address at 24 East 12th Street, New York, New York 10003 and QUINTEL
COMMUNICATIONS, INC., a Delaware corporation (hereafter referred to as the
"Secured Party"), having an address at One Blue Hill Plaza, Pearl River, New
York 10965 .

                                   BACKGROUND

A. Debtor and Secured Party entered into a Security Agreement dated February 16,
2000 (the "Security Agreement") pursuant to which Debtor granted Secured Party a
security interest in the Collateral described in the Security Agreement to
secure the Debtor's obligations under a Loan Agreement and Note (as defined in
the Security Agreement).

B. Debtor and Secured Party have entered into a Forbearance Agreement of even
date herewith (the "Forbearance Agreement") pursuant to which Secured Party has
agreed to forebear from commencing certain actions for collection of the Note
and other claims described in the Forbearance Agreement and one of the
conditions of such forbearance is the amendment of the Security Agreement on the
terms provided for herein.

NOW THEREFORE IT IS HEREBY AGREED AS FOLLOWS:

1     Capitalized terms are used with the meanings ascribed thereto in the
      Security Agreement, except as otherwise defined herein.

2     As used herein, the term "Accounts" shall mean all accounts receivable now
      owned or which may be created hereafter by Debtor, and all securities or
      guaranties held by the Debtor in respect of such Accounts, and the
      proceeds thereof. Debtor hereby grants to Secured Party a continuing
      security interest in all Accounts of the Debtor in order to secure the
      obligations of Debtor to pay the Obligations, and the Security Agreement
      is hereby amended to provide that the term "Collateral" shall include the
      Accounts in addition to the other Collateral described in the Security
      Agreement.

3     The Security Agreement is hereby amended to provide that the term
      "Obligations" shall include all indebtedness and the performance of all
      obligations under the Forbearance Agreement in addition to the payment and
      performance obligations described in the Security Agreement, and the
      Collateral, as such term is amended by this Agreement, constitutes and
      will constitute security for the payment as and when due of all of the
      Obligations, as such term is amended by this Agreement, all of which shall
      be and remain

<PAGE>

      additional liens on the Collateral until each and all of the same have
      been fully paid, satisfied, and discharged.

4     The Security Agreement is hereby amended to provide that the Secured Party
      shall have the following additional rights and powers with respect to the
      Collateral:

4.1 Secured Party shall have all rights, remedies, securities, and liens of
Debtor in respect of the Collateral, including, but not limited to, any
guaranties and other contracts of suretyship with respect to the Accounts,
unpaid sellers' liens, statutory liens, and other collateral security held by
Debtor, or to which it is entitled, for the payment of the Accounts. Secured
Party shall have the right to enforce any of the foregoing in its name, or to
direct the enforcement thereof by Debtor, and Debtor shall, at Secured Party's
request, deliver to Secured Party a separate written assignment of such rights,
as permitted by applicable law.

4.2 Secured Party may, following default by Debtor, without notice to or assent
of Debtor, extend the time of payment, compromise, or settle for cash, credit or
otherwise upon any terms, any part of the Accounts, and thereby discharge or
release the persons liable for the payment thereof, without affecting Debtor's
Obligations. Secured Party may demand or enforce payment of the Accounts, but
shall not be liable for any failure to collect or enforce payment.

4.3 Secured Party may, following default by Debtor, without notice to Debtor,
notify the persons liable for the payment of the Accounts of their assignment by
Debtor to Secured Party. At Secured Party's request, all bills and statements
sent by Debtor to the persons liable for the payment of the Accounts shall state
that the Accounts have been assigned to, and are payable solely to, Secured
Party. At Secured Party's request, Debtor shall direct the persons liable for
the payment of the Accounts to pay directly to Secured Party all sums due or to
become due on account thereof.

4.4 Secured Party may place its representatives on Debtor's premises, on prior
notice, to examine the books and records of Debtor with reference to the
Accounts, together with all books, correspondence, records, and other documents
pertaining thereto. Following default by Debtor, Secured Party may place its
representatives on Debtor's premises with full authority to take possession of
and retain for Secured Party the books and records of Debtor with reference to
the Accounts, together with all books, correspondence, records, and other
documents pertaining thereto, with full authority to receive from Debtor and
deliver to Secured Party any cash, checks, drafts, notes and other instruments
for the payment of money received on account of the Collateral.

4.5 Debtor shall keep and maintain at its expense complete records of the
Accounts, including, but not limited to, a record of all payments received, all
credits granted thereon, and all other dealings therewith. For the further
security of any of the Obligations, and until such Obligations are fully paid
and discharged, Secured Party shall have a special property interest in the
records; and Debtor shall, at its expense, deliver any of the records to Secured
Party at any time at Secured Party's written request. Secured Party, or anyone
designated by it, may at any time
<PAGE>

inspect the records, and make extracts of them, as it deems advisable, and prior
to default by Debtor such inspection shall occur following written notice by
Secured Party. The Debtor shall cause its accounts receivable ledger and other
books and records pertaining to the Collateral, to be stamped with a proper
reference to the fact that the Collateral has been assigned to Secured Party.

5 The Security Agreement is hereby amended to provide that:

5.1 Without Secured Party's written consent, Debtor will not grant any extension
of the time of payment of the Accounts, compromise or settle any of the Accounts
for less than the full amount thereof, release in whole or in part any person
liable for the payment of any of the Accounts, or allow any credit upon any of
the Accounts. Following default by Debtor, upon making any discounts, allowances
or credits with respect to the Accounts, Debtor shall forthwith pay Secured
Party a sum equal thereto. Prior to default by Debtor, such consent shall not be
unreasonably withheld or delayed.

5.2 Any proceeds of the Accounts received by Debtor shall be promptly deposited
by Debtor in a separate special bank account, subject to withdrawal by Secured
Party only. Until remitted to Secured Party, the proceeds shall be deemed to be
held in trust by Debtor for and to be the property of, Secured Party, and shall
not be commingled with any of Debtor's other funds.

6     Debtor represents and warrants to Secured Party as follows:

      6.1.1 Each of the debtors named in any account receivable included in the
            Collateral is indebted to Debtor in the amount indicated as of the
            date thereof.

      6.1.2 Each Account is bona fide, and arises out of the sale and delivery
            of goods or services.

      6.1.3 None of the Accounts is now contingent upon the fulfillment of any
            contract whatsoever, or subject to any defense, offset or
            counterclaim.

      6.1.4 No agreement has been made, nor will be made, with any debtor for
            any reduction or discount, except as may be specifically noted at
            the time of the assignment of such Account.

      6.1.5 None of the Accounts is represented by notes or other negotiable
            instruments, except those that have been endorsed and delivered by
            Debtor to Secured Party simultaneously with the assignment of such
            Account, and none of the Accounts will be represented by notes or
            other negotiable instruments, except those that Secured Party may
            request to be executed and delivered for the purpose of evidencing
            any such Account, which shall be made payable to Secured Party.

                                       3
<PAGE>

      6.1.6 Debtor is the sole owner of the Accounts, free and clear of any
            encumbrances,. And has the right to transfer absolute title to
            Secured Party.

      6.1.7 The stated due date on each Account is correct.

6.2 The Accounts hereby assigned are collateral to secure the Obligations and
such Accounts are not being sold to Secured Party.

6.3 Debtor will not create a security interest in, sell, or assign any part of
its Accounts, except to Secured Party.

7     Debtor's execution and delivery of this instrument has been authorized by
      all necessary corporate action of Debtor.

8     The Security Agreement, as amended by this Agreement, remains in full
      force and effect.

IN WITNESS WHEREOF, the parties have caused this instrument to be executed as of
the date first above written.

                                        QUINTEL COMMUNICATIONS, INC.

                                        By: /s/ Jeffrey Schwartz
                                            --------------------------------
                                            Name: Jeffrey Schwartz
                                                  --------------------------
                                            Title: CEO
                                                   -------------------------

                                        LCS GOLF, INC.

                                        By: /s/ Michael Mitchell
                                            --------------------------------
                                            Name: Michael Mitchell
                                                  --------------------------
                                            Title:
                                                   -------------------------

                                       4
<PAGE>

STATE OF NEW YORK: COUNTY OF ________________________: ss:

On the _____ day of August in the year 2000, before me, the undersigned, a
Notary Public in and for said state, personally appeared Michael Mitchell,
personally known to me or proved to me on the basis or satisfactory evidence to
be the person whose name is subscribed to the within instrument and acknowledged
to me that he executed same in his capacity, and that by his signature on the
instrument, the person, or the entity upon behalf of which the person acted,
executed the instrument.

                                  ----------------------------------
                                  Notary Public

STATE OF NEW YORK: COUNTY OF ________________________: ss:

On the _____ day of August in the year 2000, before me, the undersigned, a
Notary Public in and for said state, personally appeared
____________________________________, personally known to me or proved to me on
the basis or satisfactory evidence to be the person whose name is subscribed to
the within instrument and acknowledged to me that he executed same in his
capacity, and that by his signature on the instrument, the person, or the entity
upon behalf of which the person acted, executed the instrument.

                                  ----------------------------------
                                  Notary Public

                                       5

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