Document:

<PAGE>

                                                                    Exhibit 10.2

                                   [CYBERCARE]

                                              August 15, 2001

Mr. Richard Harris
Business Management Partners, Inc.
326 W. Lancaster Avenue, Suite 200

Ardmore, PA 19003

      RE:   LETTER OF AGREEMENT

Dear Mr. Harris:

      The purpose of this letter (this "Agreement") is to memorialize the terms
and conditions of an agreement by and between Business Management Partners, Inc.
(hereinafter "Consultant") and CyberCare, Inc., a Florida corporation f/k/a
Cyber-Care, Inc. (the "Company"). This Agreement entirely supersedes and
replaces all oral and written agreements between Consultant and either the
Company and CyberCare Technologies, Inc., including that certain Consulting
Agreement between Marketing Partners of Plantation, Inc. (an affiliate of
Consultant) and Cyber-Care, Inc. entered on May 1, 2000, any extensions to that
agreement, the Letter of Agreement between CyberCare Technologies, Inc. and
Business Management Partners, Inc. dated December 28, 2000 (the "Original
Agreements").

      Consultant's principals, Richard Harris and Tom Naslund acknowledge and
agree that any and all stock options and warrants issued to them pursuant to any
of the Original Agreements, the Letter Agreement between Cyber-Care, Inc. and
Richard Harris and Tom Naslund dated April 11, 2001, the Stock Option Agreement
between Cyber-Care, Inc. and Richard Harris dated April 6, 2001 and the Stock
Option Agreement between Cyber-Care, Inc. and Richard Harris dated April 6, 2001
shall automatically and irrevocably expire, terminate and forever be
extinguished upon the execution of this Agreement and the Warrant (defined
below).

      The Company agrees to hire and retain Consultant as its nonexclusive agent
to assist the Company in identifying and entering into a business relationship
with a preferred marketing partner that will become a licensee, partner,
affiliate, associate or joint venture partner of the Company, or Company's
affiliate in the European market (the "EC Business Affiliate") for the CyberCare
System ("The CyberCare System(TM)"), a patented technology for the remote
monitoring of individuals for medical and related purposes which includes the
Company's Electronic Housecall(R) products ("EHC(TM)") and features several
EHC(TM) Models of multifunctional units ("Patient Units") and caregiver access
terminals linked through a virtual private network (the "CyberCare 24
Network(TM)") and other hardware, software and systems,

                               WWW.CYBER-CARE.NET
 2500 Quantum Lakes Drive, Suite 1000, Boynton Beach, FL 33426; 561-742-5000;
                                Fax 561-742-5009

<PAGE>

Mr. Richard Harris
August 15, 2001
Page 2

intended to be implemented in connection with The CyberCare System(TM) as the
same may exist from time to time, and Consultant agrees to accept such
appointment and to perform or cause to be performed the services set forth below
all upon the terms and conditions herein set forth.

      The Consultant shall be responsible for presenting qualified potential EC
Business Affiliates to the Company for evaluation. If the Company shall elect to
pursue a license relationship with a potential EC Business Affiliate, Consultant
shall assist the Company as reasonably requested in consummating such
relationship.

      The Consultant shall also; (i) promote the Company, its business (and any
of its affiliates' businesses), (ii) assist the Company to execute its European
business plan, (iii) identify financing opportunities in Europe and assist the
Company to obtain European financing, (iv) identify opportunities for the
Company to form business alliances and joint ventures, and (v) advise and assist
the Company in forming such business alliances.

      Consultant shall be entitled to receive a monthly fee of $40,000 ("Monthly
Fee"). The Monthly Fee shall be payable as follows:

      a.    Commencing on April 1, 2001, Thirty Thousand Dollars ($30,000) of
            the monthly fee ("Cash Payment") shall be payable on the 1st day of
            each month, and Ten Thousand Dollars ($10,000) of the monthly fee
            ("Deferred Payment") shall be deferred and shall be payable on
            earlier of (i) September 30, 2001, or (ii) such time as: (x) the
            Consultant is able to obtain financing reasonably acceptable to
            Company, (y) there is a reasonable likelihood that financing
            acceptable to the Company with be imminently available, or (z) in
            the event that the company's European business plan has been
            successfully implemented to Company's satisfaction ("Financing
            Completion").

      b.    Commencing October 1, 2001, the entire Monthly Fee shall be payable
            on the first day of each month.

      If for any reason the aforementioned license relationship or joint venture
arrangement contemplated herein does not materialize, or is not consummated,
Consultant shall not be required to reimburse the Company for any Cash Payments
received.

      Consultant shall be entitled to receive a commission equal to 3% of all
capital raised for Company or CyberCare, Inc. which were raised during the term
of this Agreement for the purpose of utilization by CyberCare, Inc. for an
European business initiative.

      In addition, upon execution of this Agreement, Consultant shall receive
warrants to purchase 200,000 shares of common stock of CyberCare, Inc., a
Florida corporation, at an

                               WWW.CYBER-CARE.NET
 2500 Quantum Lakes Drive, Suite 1000, Boynton Beach, FL 33426; 561-742-5000;
                                Fax 561-742-5009

<PAGE>

Mr. Richard Harris
August 15, 2001
Page 3

exercise price of $1.00 per share and exercisable in
accordance with a Warrant Agreement of even date herewith (the "Warrants").
Company will use its reasonable best efforts to obtain a letter from counsel
clearing the sale of the underlying shares under Rule 144 of the Securities Act
of 1933, effective January 1, 2002.

      It is further agreed that Consultant shall be entitled to receive
reimbursement from the Company for all reasonable and necessary expenses
incurred by Consultant which are directly related to and in furtherance of the
performance of services required pursuant to this Agreement; provided that all
such expenses must be approved in advance and shall be subject to Consultant
providing adequate documentation of such incurred expenses.

      The parties hereto agree that the Company shall use its best efforts to
ensure that Consultant participates in the senior management of the joint
venture contemplated in this Agreement.

      The Company and Consultant may also agree to additional business
development tasks in the future, with compensation to be based on mutual
agreement.

      The initial term of this Agreement shall commence on June 1, 2001
("Effective Date") and shall end on October 31, 2003 ("Initial Term"). This
Agreement may be terminated at any time by (a) either party if the other party
(the "Defaulting Party") breaches the material terms of this Agreement and fails
to cure such breach within thirty (30) days of written notice thereof and
request for cure by the non-defaulting party, or (b) the Company, upon a
material breach by Consultant of the Confidentiality Agreement between the
parties. Notwithstanding the foregoing, Company may terminate this Agreement at
any time after October 31, 2001, if CyberCare's European initiative has been
terminated. If the initiative has been limited to only two subsidiaries or less
subsequent to October 31, 2001, then the parties will mutually agree to a
reduced Monthly Fee. This Agreement may be terminated upon the mutual agreement
of the parties in the event that the parties enter into a long term management
services agreement. This Agreement may be renewed upon the mutual agreement of
the parties. The provisions of this Agreement regarding the payment of
commission shall survive the termination of this Agreement, other than as a
result of a material breach by Consultant of this Agreement or the
Confidentiality Agreement, for a period of twelve months following such
termination.

            Consultant represents that it is not a registered broker-dealer and
will not provide any advice with respect to the purchase or sale of securities.
This Agreement shall be governed and construed in accordance with the laws of
the State of Florida, without regard to conflict of law principles. Nothing in
this Agreement is intended nor shall it be construed to create an
employer/employee, agency, partnership or joint venture relationship. This
Agreement constitutes the entire agreement between the parties, written or oral,
with respect to the subject matter hereof, and shall supersede all prior
negotiations, understandings, arrangements and

                               WWW.CYBER-CARE.NET
 2500 Quantum Lakes Drive, Suite 1000, Boynton Beach, FL 33426; 561-742-5000;
                                Fax 561-742-5009

<PAGE>

Mr. Richard Harris
August 15, 2001
Page 4

agreements relating to the subject matter hereof, including the Prior Agreement,
which is deemed to be terminated. This Agreement may not be amended,
supplemented or modified except by an instrument signed by the parties. This
Agreement may not be assigned by the Consultant without the written consent of
the Company, but may be assigned by the Company to any company controlling, in
control with or controlled by the Company, upon written notice to Consultant.
All notices required or permitted hereunder shall be mailed by certified mail,
postage prepaid, return-receipt requested, or hand delivered by reputable
courier or overnight delivery service, to the respective recipient party's
address as set forth in this Agreement, or at such address as otherwise
designated by such party.

      If the terms set forth in this Agreement meet with your approval, please
indicate your acceptance by signing a copy of this Agreement and the
Confidentiality Agreement and return one executed copy of each to the
undersigned.

                                          Very truly yours,

                                          CYBERCARE, INC.

                                          By: /s/ DANIEL W. BIVINS, JR.
                                              --------------------------------
                                          Daniel W. Bivins, Jr.
                                          Senior Vice President

ACCEPTED AND AGREED
As of this 15th day of August, 2001.

BUSINESS MANAGEMENT PARTNERS, INC.

By: /s/ RICHARD HARRIS
    -----------------------------
Richard Harris, President

/s/ RICHARD HARRIS
---------------------------------
Richard Harris, Individually

/s/ TOM NASLUND
---------------------------------
Tom Naslund, Individually

                               WWW.CYBER-CARE.NET
 2500 Quantum Lakes Drive, Suite 1000, Boynton Beach, FL 33426; 561-742-5000;
                                Fax 561-742-5009<PAGE>

                                                                    Exhibit 10.3

                              SETTLEMENT AGREEMENT

      THIS SETTLEMENT AGREEMENT (this "Agreement") is made and entered into as
of the 13th day of November, 2001 (the "Effective Date"), by and among CyberCare
Technologies, Inc., a Georgia corporation ("CyberCare Technologies"), CyberCare,
Inc., f/k/a Cyber-Care, Inc., a Florida corporation ("CyberCare" and
collectively with CyberCare Technologies, the "CyberCare Parties"),
CardioCommand, Inc., a Florida corporation ("CardioCommand"), and Maynard Ramsey
III, a shareholder of CardioCommand, ("Ramsey" and collectively with
CardioCommand, the "CardioCommand Parties").

                                    RECITALS:

      WHEREAS, the CyberCare Parties and CardioCommand entered into an Agreement
of Purchase and Sale dated February 28, 2001 (the "Original Agreement"), which
was amended by that certain First Amendment to Agreement of Purchase and Sale
dated April 5, 2001 (the "First Amendment" together with the "Original
Agreement", the "Purchase Agreement");

      WHEREAS, Ramsey was intended to be a signatory to the Purchase Agreement,
but was inadvertently omitted as a signatory;

      WHEREAS, the parties hereto desire to completely extinguish all of their
rights and obligations under the Purchase Agreement and make a full and final
resolution of any and all claims, disputed or otherwise, in connection with the
Purchase Agreement in exchange for agreements contained herein; and

      WHEREAS, without admitting any liability of any kind, and in order to
mitigate any costs or other alleged damages which may arise in connection with
the termination of the Purchase Agreement, parties are willing to enter into
this Agreement.

      NOW THEREFORE, in consideration of the mutual promises herein contained,
and other good and valuable consideration, the sufficiency of which is hereby
acknowledged, the parties agree as follows:

                                     TERMS:

1. RECITALS. The foregoing recitals are true and correct and, with any
attachments hereto, are incorporated by reference.

2. TERMINATION OF PURCHASE AGREEMENT. The parties hereto agree that
simultaneously with the execution of this Agreement and the delivery of the
Consideration (as defined herein) and subject to the requirement that CyberCare
and CardioCommand consummate the License Agreement (as defined herein) in
accordance with Section 4 hereof, they are completely and forever terminating
the Purchase Agreement and any and all rights and obligations contained in the
Purchase Agreement.

<PAGE>

      3. CONSIDERATION. The CyberCare Parties shall make payment to the
CardioCommand Parties as follows:

      (a)   Simultaneously with the execution hereof, the sum of One Hundred
            Twenty Five Thousand Dollars ($125,000) ("Cash") by bank check or by
            wire transfer in immediately available funds; and

      (b)   One Hundred Twenty Five Thousand (125,000) shares of CyberCare's
            restricted voting common stock ("Settlement Shares" together with
            the Cash, the "Consideration"). The Settlement Shares shall be
            included in the next registration statement that CyberCare files
            with the Securities and Exchange Commission. Simultaneously with the
            execution hereof, the certificate for the Settlement Shares shall be
            delivered to counsel for CardioCommand.

      4. LICENSE. Within 45 days following the Effective Date, CyberCare and
CardioCommand shall enter into a License Agreement in which CyberCare shall
license to CardioCommand certain rights to its CyberCare System(TM) on
commercially reasonable terms ("License Agreement"). The License Agreement shall
provide substantially as follows:

      (a)   CyberCare shall grant a non-exclusive license (the "Software
            License"), which may not be assigned by CardioCommand without
            CyberCare's consent, which shall not be unreasonably withheld,
            entitling CardioCommand to utilize CyberCare's Electronic HouseCall
            Software version 1.2, or the then-current version of Electronic
            HouseCall(R)Software ("Software") for use with CardioCommand's
            CloseTouch Companion home workstation ("CTC Units") and
            CardioCommand's caregiver terminals ("Caregiver Units" and
            collectively with CTC Units, "Units"):

                  i.    With respect to Units utilizing the Software that are
                        connected to CyberCare's virtual private network (the
                        "CyberCare 24 Network(TM)"), for each Unit connected to
                        the CyberCare 24 Network(TM), CyberCare shall be
                        entitled to receive from CardioCommand 85% of its normal
                        published network fee and CardioCommand shall be
                        entitled to receive 15% of CyberCare's normal published
                        network fee collected.

                  ii.   With respect to Units utilizing the Software that are
                        not connected to the CyberCare 24 Network(TM), for each
                        such CTC Unit, CardioCommand shall pay to CyberCare a
                        one time Software License fee of $100 and for each such
                        Caregiver Unit utilizing the Software, CardioCommand
                        shall pay to CyberCare a one time Software License fee
                        of $1,000.

      (b)   CardioCommand acknowledges and agrees that CyberCare makes no
            representations that the Software will function with the CTC Units
            and may require substantial programming modifications to function
            with the CTC Units, which modifications shall be made by CyberCare,
            subject to CyberCare's available resources, at CardioCommand's sole
            expense, at industry software development

                                       2
<PAGE>

            consulting rates. The Software License shall include, without
            additional cost, such training as is made available by CyberCare to
            its own personnel or other personnel contracting for the use of the
            Software. The training shall include procedures for installation,
            configuration, and non-programming customization of the Software.

      (c)   CardioCommand shall appoint and license CyberCare as CardioCommand's
            non-exclusive worldwide reseller of the Units, including, without
            limitation, the right to market, sell, lease, install, service,
            maintain and support the Units. The prices applicable to the Units
            to be purchased by CyberCare shall be 85% of CardioCommand's normal
            published rates for the Units.

      5. MUTUAL RELEASE. In consideration for the mutual settlement of any
disputes in connection with the Purchase Agreement, the payment of the
Consideration to the CardioCommand Parties, entering into the License Agreement
and the other mutual covenants contained herein, the parties provide the
following releases to each other:

            (A) RELEASE BY CYBERCARE PARTIES. The CyberCare Parties, jointly and
severally, for themselves and their respective heirs, executors, administrators,
predecessors, successors, assignors, assignees, insurers, transferors,
transferees, attorneys, joint venturers, partners, corporations, affiliates,
parent companies, subsidiaries, divisions, officers, directors, shareholders,
employees, agents, and representatives, do hereby forever remise, release,
satisfy, and forever discharge the CardioCommand Parties and their heirs,
executors, administrators, predecessors, successors, assignors, assignees,
transferors, transferees, attorneys, joint venturers, partners, corporations,
affiliates, parent companies, subsidiaries, divisions, officers, directors,
shareholders, employees, and agents, from any and all actions, causes of action,
suits, debts, dues, sums of money, accounts, reckonings, bonds, bills,
specialties, covenants, contracts, controversies, agreements, promises,
variances, trespasses, liens, damages, judgments, indebtednesses, damages,
losses, claims, attorney fees, liabilities and demands of any nature and kind
whatsoever, in law or equity, known or unknown (collectively "Claims"), upon or
by reason of any matter, cause or thing whatsoever, relating to, arising out of
or in connection with the Purchase Agreement or any disputes in connection
therewith and any claim made or that could have been made in any litigation,
claim, cause of action, arbitration or other proceeding having the Purchase
Agreement or any disputes in connection therewith as its basis, except that the
foregoing release shall NOT apply to (1) any Claims asserted by third parties or
(2) the obligations and duties of the CardioCommand Parties set forth in this
Agreement or the License Agreement.

            (B) RELEASE BY CARDIOCOMMAND PARTIES. The CardioCommand Parties,
jointly and severally, for themselves and their respective heirs, executors,
administrators, predecessors, successors, assignors, assignees, insurers,
transferors, transferees, attorneys, joint venturers, partners, corporations,
affiliates, parent companies, subsidiaries, divisions, officers, directors,
shareholders, employees, agents, and representatives, do hereby forever remise,
release, satisfy, and forever discharge the CyberCare Parties and their heirs,
executors, administrators, predecessors, successors, assignors, assignees,
transferors, transferees, attorneys, joint venturers, partners, corporations,
affiliates, parent companies, subsidiaries, divisions, officers, directors,
shareholders, employees, and agents, from any and all actions, causes of action,
suits, debts, dues, sums of money, accounts, reckonings, bonds, bills,
specialties, covenants, contracts, controversies, agreements, promises,
variances, trespasses, liens, damages,

                                       3
<PAGE>

judgments, indebtednesses, damages, losses, claims, attorney fees, liabilities
and demands of any nature and kind whatsoever, in law or equity, known or
unknown (collectively "Claims"), upon or by reason of any matter, cause or thing
whatsoever, relating to, arising out of or in connection with the Purchase
Agreement or any disputes in connection therewith and any claim made or that
could have been made in any litigation, claim, cause of action, arbitration or
other proceeding having the Purchase Agreement or any disputes in connection
therewith as its basis, except that the foregoing release shall NOT apply to (1)
any Claims asserted by third parties or (2) the obligations and duties of the
CyberCare Parties set forth in this Agreement or the License Agreement.

      6. FAIR AND ADEQUATE CONSIDERATION. Each of the parties hereto
acknowledges that the consideration given or received in this Agreement is fair
and adequate consideration for the covenants, undertakings and forbearances
herein made.

      7. COUNTERPARTS. This Agreement may be executed in multiple, original
counterparts, each of which counterparts constitute and serve as an original
hereof, and together constitute one and the same instrument.

      8. ADVICE. Each party represents and warrants that he, she or it has
executed this Agreement based upon his, her or its own knowledge and that each
is entitled to the advice of his, her or its respective legal counsel,
professionals, consultants and experts of their own choosing.

      9. AUTHORITY. Each party, by their signatures, warrants and represents
that they have the authority to so execute and bind themselves and the parties
for whom they are acting to the terms and provisions of this Agreement.

      10. REMEDIES. In the event any party to this Agreement breaches any terms
hereof, the non-breaching party shall be entitled to damages against the
breaching party. Notwithstanding anything to the contrary, the non-breaching
party may also seek injunctive relief in an appropriate case. Such action
seeking injunctive relief may be filed in a court of competent jurisdiction and
shall be determined in a court of law, and not in arbitration.

      11. ATTORNEY FEES AND COSTS. The parties agree that if any party brings an
action or arbitration to enforce this Agreement or any of its terms or
conditions, the prevailing party in such action or arbitration shall be entitled
to receive from the non-prevailing party all costs, fees and expenses incurred
in connection with such action or arbitration, including reasonable attorneys'
fees, at all pre-trial, trial, and appellate levels and in connection with all
such arbitration proceedings.

      12. NO ASSIGNMENT. Each party represents that it has made no assignment of
any claims herein released and hereby agrees to indemnify and hold all other
parties harmless in the event of any such assignment, whether real or purported.

      13. NO ADMISSION OF LIABILITY. The parties expressly understand and agree
that this Agreement is given in full accord and satisfaction of any and all
disputed claims under the

                                       4
<PAGE>

Purchase Agreement or that could have been made in connection with any disputes
or under the Purchase Agreement and that the terms of this Agreement are not to
be construed in any way as an admission of liability on the part of any of the
parties.

      14. BINDING UPON HEIRS. This Agreement shall be binding upon each of the
parties and their respective heirs, administrators, representatives, executors,
predecessors, successors and assigns.

      15. MERGER. This Agreement sets forth the entire Agreement of the parties
and fully supersedes any and all prior negotiations, agreements or
understandings between the parties hereto pertaining to any disputes that arise
in connection with the Purchase Agreement. This Agreement may not be modified or
amended, except by a written agreement signed by all the parties hereto.

      16. NONDISCLOSURE. The parties agree to refrain from disclosing the terms
of this Agreement to any third party whatsoever, except as may be required in
connection with the filing of any tax return, securities filing or similar
document necessary to be filed with any governmental authority, the financial
accounting of the CyberCare Parties or its affiliates or any securities filing
required to be filed by the CyberCare Parties. Notwithstanding anything to the
contrary, any party shall be able to make such disclosure as is required
pursuant to a lawfully executed subpoena or court order; however, prior to
making any such disclosure, the party that is the subject of the subpoena or
court order shall provide notice to the other parties' counsel advising them of
the subpoena and/or court order so that the opposing party may interpose an
objection or other action in the proceedings, if appropriate.

      17. FURTHER ASSURANCES. The parties agree to execute such other and
further documents and to otherwise cooperate with the reasonable requests of the
other party or their counsel to effectuate the intent of this Agreement.

      18. CHOICE OF LAW. This Agreement shall be interpreted, enforced and
governed under the laws of the State of Florida, without regard to conflict of
laws principles.

      19. NO WAIVER. The failure of any party at any time or times to require
performance of any provision of this Agreement will in no manner affect the
right to enforce the same. The waiver by any party of any breach of any
provision of this Agreement will not be construed to be a waiver by any such
party of any succeeding breach of that provision or a waiver by such party of
any breach of any other provision.

      20. SEVERABILITY. The invalidity, illegality or unenforceability of any
provision or provisions of this Agreement will not affect any other provision of
this Agreement, which will remain in full force and effect, nor will the
invalidity, illegality or unenforceability of a portion of any provision of this
Agreement affect the balance of such provision. In the event that any one or
more of the provisions contained in this Agreement or any portion thereof shall
for any reason be held to be invalid, illegal or unenforceable in any respect,
this Agreement shall be reformed, construed and enforced as if such invalid,
illegal or unenforceable provision had never been contained herein.

                                       5
<PAGE>

      IN WITNESS THEREOF, this Settlement Agreement is executed as of the date
first above written.

CYBERCARE TECHNOLOGIES, INC.

By: /s/ RODGER HOCHMAN
   ---------------------------------
Name:   RODGER HOCHMAN
      ------------------------------------
Its: GENERAL COUNSEL AND SECRETARY
     -------------------------------------

STATE OF FLORIDA              )
                              )  ss.
COUNTY OF   PALM BEACH        )

      The foregoing instrument was acknowledged before me this 13th day of
November, 2001 by Rodger Hochman, the Secretary of CyberCare Technologies, Inc.,
WHO IS KNOWN TO ME or produced _________________ as identification.

      WITNESS my hand and official seal.

      My commission expires: JULY 4, 2005       /s/ SUSAN BRADY
                             -------------      ------------------------------
                                                Notary Public

CYBERCARE, INC.

By: /s/ RODGER HOCHMAN
   ---------------------------------
Name:  RODGER HOCHMAN
      ------------------------------
Its: SR. VP AND GENERAL COUNSEL
     -------------------------------

STATE OF FLORIDA              )
                              )  ss.
COUNTY OF   PALM BEACH        )

      The foregoing  instrument  was  acknowledged  before me this 13th day
of November,  2001 by Rodger Hochman,  the Sr. Vice President of CyberCare,
Inc., WHO IS KNOWN TO ME or produced _________________ as identification.

      WITNESS my hand and official seal.

      My commission expires: JULY 4, 2005       /s/ SUSAN BRADY
                             -------------      ------------------------------
                                                Notary Public

                                       6
<PAGE>

CARDIOCOMMAND, INC.

By: /s/ MAYNARD RAMSEY, III
   -----------------------------------
Name: MAYNARD RAMSEY, III
      --------------------------------
Its: PRESIDENT
     ---------------------------------

STATE OF FLORIDA              )
                              )  ss.
COUNTY OF   Hillsborough      )

      The foregoing instrument was acknowledged before me this 13th day of
November, 2001 by Maynard Ramsey, III, the President of CardioCommand, Inc., who
is known to me or produced _________________ as identification.

      WITNESS my hand and official seal.

      My commission expires: NOVEMBER 3, 2005         /s/ THOMAS P MCNAMARA
                           ---------------------      ---------------------
                                                      Notary Public

/s/ MAYNARD RAMSEY, III
-------------------------------
MAYNARD RAMSEY, III

STATE OF Florida                    )
                                    )  ss.
COUNTY OF   Hillsborough            )

      The foregoing instrument was acknowledged before me this 13th day of
November, 2001 by Maynard Ramsey, III who is known to me or produced
_________________ as identification.

      WITNESS my hand and official seal.

      My commission expires: NOVEMBER 3, 2005         /s/ THOMAS P MCNAMARA
                            --------------------      -----------------------
                                                      Notary Public

                                       7

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00032-of-00352.parquet"}]]