Document:

Exhibit 4.4

                                    GUARANTY

BANK OF BROOKHAVEN
411 BROOKWAY BLVD.
BEOOICHAVEN, MS 39601

                                    BROOKHAVEN                     MISSISSIPPI
                                ------------------------------------------------
                                     (City)                          (State)

                                                                  April 27, 2005

      For good and valuable consideration,  the receipt and sufficiency of which
are hereby acknowledged, and to induce BANK OF

      BROOKHAVEN
--------------------------------------------------------------------------------

(herein, with its participants, successors and assigns, called "Lender"), at its
option,  at any  time or  from  time to time  to  make  loans  or  extend  other
accommodations to or for the account of

      Knobias, Inc.
--------------------------------------------------------------------------------

(herein called "Borrower") or to engage in any other transactions with Borrower,
the Undersigned hereby absolutely and  unconditionally  guarantees to Lender the
full and prompt  payment  when due,  whether at maturity or earlier by reason of
acceleration or otherwise,  of the debts,  liabilities end obligations described
as follows:

      A.    If this (X) is checked,  the  Undersigned  guarantees  to Lender the
            payment and  performance  of the debt,  liability or  obligation  of
            Borrower to Lender  evidenced  by or arising  out of the  following:
            LOAN NO. 79897 DATED APRIL 27, 2005 and any extensions,  renewals or
            replacements    thereof    (hereinafter    referred    to   as   the
            "Indebtedness').

      B.    If this |_| is checked,  the  Undersigned  guarantees  to Lender the
            payment  and  performance  of each and  every  debt,  liability  and
            obligation of every type and  description  which Borrower may now or
            at any time hereafter owe to Lender (whether such debt, liability or
            obligation  now  exists or is  hereafter  created or  incurred,  end
            whether it is or may be direct or  indirect,  due or to become  due,
            absolute  or  contingent,   primary  or  secondary,   liquidated  or
            unliquidated,  or joint,  several,  or joint and  several;  all such
            debts,  liabilities and obligations being  hereinafter  collectively
            referred  to  as  the  "Indebtedness").   Without  limitation,  this
            guaranty includes the following described debt(s): _________________

      The term  "Indebtedness"  as used in this  guaranty  shall not include any
obligations  entered  into  between  Borrower  and Lender  after the date hereof
(including any extensions,  renewals or replacements  of such  obligations)  for
which  Borrower  meets  the  Lender's  standard  of  creditworthiness  based  on
Borrower's  own assets and income  without the  addition  of a guaranty,  or for
which a guaranty is required but Borrower  chooses  someone other than the joint
Undersigned to guaranty the obligation.

      The Undersigned further acknowledges and agrees with Lender that:

      1.  No  act  or  thing  need  occur  to  establish  the  liability  of the
Undersigned hereunder, and no act or thing, except full payment and discharge of
all Indebtedness,  shall in any way exonerate the Undersigned or modify, reduce,
limit or release the liability of the Undersigned hereunder.

      2. This is an absolute,  unconditional and continuing  guaranty of payment
of the  Indebtedness  and shall  continue to be in force and be binding upon the
Undersigned,  whether  or not  all  Indebtedness  is paid in  full,  until  this
guaranty is revoked by written notice actually received by the Lender,  and such
revocation  shall not be effective as to Indebtedness  existing or committed for
at the  time of  actual  receipt  of such  notice  by the  Lender,  or as to any
renewals,  extensions  and  refinancing  thereof.  If  there  be more  than  one
Undersigned,  such revocation shall be effective only as to the one so revoking.
The death or  incompetence  of the  Undersigned  shall not revoke this guaranty,
except upon actual  receipt of written notice thereof by Lender and then only as
to  the  decedent  or the  incompetent  and  only  prospectively,  as to  future
transactions, as herein set forth.

      3. If the Undersigned shall be dissolved, shall die, or shall be or become
insolvent (however defined) or revoke this guaranty,  then the Lender shall have
the right to declare  immediately  due and  payable,  and the  Undersigned  will
forthwith pay to the Lender,  the full amount of all  Indebtedness,  whether due
and payable or unmatured.  If the Undersigned  voluntarily commences or there is
commenced  involuntarily  against the Undersigned a case under the United States
Bankruptcy  Code,  the full  amount  of all  Indebtedness,  with due  amount  or
unmatured,  shall be  immediately  due and  payable  without  demand  or  notice
thereof.

<PAGE>

      4. The  liability  of the  Undersigned  hereunder  shall be  limited  to a
principal  amount of $ 300,360.00  (if unlimited or if no amount is stated,  the
Undersigned shall be liable for all  Indebtedness,  without any limitation as to
amount), plus accrued interest thereon and all attorneys' fees, collection costs
end enforcement  expenses  referable  thereto.  Indebtedness  may be created and
continued  in any  amount,  whether or not in excess of such  principal  amount,
without effecting or impairing the liability of the Undersigned  hereunder.  The
Lender may apply any sums  received by or  available to Lender on account of the
Indebtedness  from Borrower or any other person (except the  Undersigned),  from
their  properties,  out of any  collateral  security or from any other source to
payment of the excess. Such application of receipts shall not reduce,  affect or
impair the  liability  of the  Undersigned  hereunder.  If the  liability of the
Undersigned  is limited to a stated  amount  pursuant to this  paragraph  4, any
payment made by the Undersigned under this guaranty shell be effective to reduce
or  discharge  such  liability  only if  accompanied  by a  written  transmittal
document,  received by the Lender, advising the Lender that such payment is made
under this guaranty for such purpose.

      5. The Undersigned will pay or reimburse Lender (or all costs and expenses
(including  reasonable attorneys' fees and legal expenses) incurred by Lender in
connection with the  protection,  defense or enforcement of this guaranty in any
litigation or bankruptcy or insolvency proceedings.

      This guaranty  Includes the additional  provisions on page 2, all of which
are made a part hereof.

      This  guaranty Is unsecured;  secured by a mortgage or security  agreement
dated (X) secured by FINANCIAL STATEMENT

      IN  WITNESS  WHEREOF,   this  guaranty  has  been  duly  executed  by  the
Undersigned the day and year first above written.

                                               /s/ GREGORY BALLARD
                                               -------------------
                                               Gregory Ballard

<PAGE>

                              ADDITIONAL PROVISIONS

6. Whether or not any existing relationship between the Undersigned and Borrower
has been  changed or ended and whether or not this  guaranty  has been  revoked,
Lender may, but shall not be obligated to, enter into transactions  resulting in
the creation or continuance of Indebtedness,  without any consent or approval by
the Undersigned and without any notice to the Undersigned.  The liability of the
Undersigned  shall not be affected or impaired by any of the  following  acts or
things (which Lender is expressly  authorized to do, omit or suffer from time to
time,  both before and after  revocation of this guaranty,  without notice to or
approval  by the  Undersigned):  (i)  any  acceptance  of  collateral  security,
guarantors,  accommodation parties or sureties for any or all Indebtedness; (ii)
any one or more  extensions  or  renewals  of  Indebtedness  (whether or not for
longer than the original  period) or any  modification  of the  interest  rates,
maturities or other contractual terms applicable to any Indebtedness;  (iii) any
waiver, adjustment,  forbearance,  compromise or indulgence granted to Borrower,
any  delay or lack of  diligence  in the  enforcement  of  Indebtedness,  or any
failure to institute  proceedings,  file a claim,  give any required  notices or
otherwise  protect  any  Indebtedness;  (iv) any  full or  partial  release  of,
settlement  with,  or agreement not to sue,  Borrower or any other  guarantor or
other person  liable in respect of any  Indebtedness;  (v) any  discharge of any
evidence of  Indebtedness or the acceptance of any instrument in renewal thereof
or  substitution  therefor;  (vi) any  failure  to  obtain  collateral  security
(including  rights  of  setoff)  for  Indebtedness,  or to see to the  proper or
sufficient  creation  and  perfection  thereof,  or to  establish  the  priority
thereof,  or to protect,  insure,  or enforce any  collateral  security;  or any
release,  modification,   substitution,  discharge,  impairment,  deterioration,
waste, or loss of any collateral security;  (vii) any foreclosure or enforcement
of any  collateral  security;  (viii) any  transfer of any  Indebtedness  or any
evidence thereof;  (ix) any order of application of any payments or credits upon
Indebtedness;  (xi) any election by the Lender under ss.1111(b)(2) of the United
States Bankruptcy Code.

7. The  Undersigned  waives  any and all  defenses,  claims  and  discharges  of
Borrower, or any other obligor,  pertaining to Indebtedness,  except the defense
of  discharge  by  payment  in full.  Without  limiting  the  generality  of the
foregoing,  the Undersigned will not assert, plead or enforce against Lender any
defense of waiver,  release,  statute of limitations,  res judiceta,  statute of
frauds, fraud, incapacity, minority, usury, illegality or unenforceability which
may be  available  to  Borrower  or any other  person  liable in  respect of any
Indebtedness,  or any setoff  available  against  Lender to Borrower or any such
other  person,  whether  or  not  on  account  of  a  related  transaction.  The
Undersigned expressly agrees that the Undersigned shall be and remain liable, to
the fullest extent  permitted by applicable  law, for any  deficiency  remaining
after foreclosure of any mortgage or security  interest  securing  Indebtedness,
whether  or not  the  liability  of  Borrower  or any  other  obligor  for  such
deficiency  is  discharged  pursuant  to  statute  or  judicial  decision.   The
undersigned shall remain  obligated,  to the fullest extent permitted by law, to
pay such amounts as though the Borrower's obligations had not been discharged.

8. The  Undersigned  further  agrees  that the  Undersigned  shall be and remain
obligated  to pay  Indebtedness  even though any other  person  obligated to pay
Indebtedness,  including Borrower,  has such obligation discharged in bankruptcy
or otherwise  discharged by law.  "Indebtedness"  shall include  post-bankruptcy
petition  interest and  attorneys'  fees and any other amounts which Borrower is
discharged from paying or which do not otherwise  accrue to Indebtedness  due to
Borrower's  discharge,  and the Undersigned  shall remain  obligated to pay such
amounts as though Borrower's obligations had not been discharged.

9. If any payment  applied by Lender to  Indebtedness  is thereafter  set aside,
recovered,  rescinded  or  required to be  returned  for any reason  (including,
without limitation, the bankruptcy,  Insolvency or reorganization of Borrower or
any other obligor), the Indebtedness to which such payment was applied shall for
the  purposes  of this  guaranty  be  deemed  to have  continued  in  existence,
notwithstanding  such application,  and this guaranty shall be enforceable as to
such Indebtedness as fully as if such application had never been made.

<PAGE>

10.  The  Undersigned  waives  any  claim,  remedy  or  other  right  which  the
Undersigned  may now have or  hereafter  acquire  against  Borrower or any other
person obligated to pay Indebtedness  arising out of the creation or performance
of  the  Undersigned's  obligation  under  this  guaranty,   including,  without
limitation,   any   right   of   subrogation,    contribution,    reimbursement,
indemnification,  exoneration,  and any  right to  participate  in any  claim or
remedy the Undersigned may have against the Borrower, collateral, or other party
obligated  for  Borrower's  debts,  whether or not such  claim,  remedy or right
arises in equity, or under contract, statute or common law.

11. The Undersigned waives presentment,  demand for payment,  notice of dishonor
or nonpayment,  and protest of any instrument  evidencing  Indebtedness.  Lender
shell not be  required  first to  resort  for  payment  of the  Indebtedness  to
Borrower or other persons or their properties, or first to enforce, realize upon
or exhaust any  collateral  security for  Indebtedness,  before  enforcing  this
guaranty.

12. The liability of the  Undersigned  under this guaranty is in addition to and
shall be cumulative  with all other  liabilities of the Undersigned to Lender as
guarantor  or  otherwise,  without  any  limitation  as to  amount,  unless  the
instrument or agreement evidencing or creating such other liability specifically
provides to the contrary.

13.  This  guaranty  shall be  enforceable  against  each  person  signing  this
guaranty,  even if only one person signs and  regardless of any failure of other
persons to sign this guaranty.  If there be more than one signer, all agreements
and promises  herein  shall be  construed to be, and are hereby  declared to be,
joint and several in each of every  particular  and shall be fully  binding upon
and enforceable against either, any or all the Undersigned.  This guaranty shall
be  effective  upon  delivery  to Lender,  without  further  act,  condition  or
acceptance  by Lender,  shall be  binding  upon the  Undersigned  and the heirs,
representatives,  successors and assigns of the  Undersigned  and shall inure to
the  benefit  of  Lender  and its  participants,  successors  and  assigns.  Any
invalidity or  unenforceability of any provision or application of this guaranty
shall not affect other lawful provisions and application hereof, and to this end
the  provisions  of this  guaranty  are  declared  to be  severable.  Except  as
authorized  by the terms  herein,  this  guaranty  may not be waived,  modified,
amended, terminated, released or otherwise changed except by a writing signed by
the Undersigned  and Lender.  This guaranty shall be governed by the laws of the
State in  which it is  executed.  The  Undersigned  waives  notice  of  Lender's
acceptance hereof.Exhibit 4.5

                                    GUARANTY

BANK OF BROOKHAVEN
411 BROOKWAY BLVD.
BEOOICHAVEN, MS 39601

                                    BROOKHAVEN                      MISSISSIPPI
                                ------------------------------------------------
                                      (City)                          (State)

                                                                  April 27, 2005

      For good and valuable consideration,  the receipt and sufficiency of which
are hereby acknowledged, and to induce BANK OF

      BROOKHAVEN
--------------------------------------------------------------------------------

(herein, with its participants, successors and assigns, called "Lender"), at its
option,  at any  time or  from  time to time  to  make  loans  or  extend  other
accommodations to or for the account of

      Knobias, Inc.
--------------------------------------------------------------------------------

(herein called "Borrower") or to engage in any other transactions with Borrower,
the Undersigned hereby absolutely and  unconditionally  guarantees to Lender the
full and prompt  payment  when due,  whether at maturity or earlier by reason of
acceleration or otherwise,  of the debts,  liabilities end obligations described
as follows:

      A.    If this (X) is checked,  the  Undersigned  guarantees  to Lender the
            payment and  performance  of the debt,  liability or  obligation  of
            Borrower to Lender  evidenced  by or arising  out of the  following:
            LOAN NO. 79897 DATED APRIL 27, 2005 and any extensions,  renewals or
            replacements    thereof    (hereinafter    referred    to   as   the
            "Indebtedness').

      B.    If this |_| is checked,  the  Undersigned  guarantees  to Lender the
            payment  and  performance  of each and  every  debt,  liability  and
            obligation of every type and  description  which Borrower may now or
            at any time hereafter owe to Lender (whether such debt, liability or
            obligation  now  exists or is  hereafter  created or  incurred,  end
            whether it is or may be direct or  indirect,  due or to become  due,
            absolute  or  contingent,   primary  or  secondary,   liquidated  or
            unliquidated,  or joint,  several,  or joint and  several;  all such
            debts,  liabilities and obligations being  hereinafter  collectively
            referred  to  as  the  "Indebtedness").   Without  limitation,  this
            guaranty includes the following described debt(s): _________________

      The term  "Indebtedness"  as used in this  guaranty  shall not include any
obligations  entered  into  between  Borrower  and Lender  after the date hereof
(including any extensions,  renewals or replacements  of such  obligations)  for
which  Borrower  meets  the  Lender's  standard  of  creditworthiness  based  on
Borrower's  own assets and income  without the  addition  of a guaranty,  or for
which a guaranty is required but Borrower  chooses  someone other than the joint
Undersigned to guaranty the obligation.

      The Undersigned further acknowledges and agrees with Lender that:

      1.  No  act  or  thing  need  occur  to  establish  the  liability  of the
Undersigned hereunder, and no act or thing, except full payment and discharge of
all Indebtedness,  shall in any way exonerate the Undersigned or modify, reduce,
limit or release the liability of the Undersigned hereunder.

      2. This is an absolute,  unconditional and continuing  guaranty of payment
of the  Indebtedness  and shall  continue to be in force and be binding upon the
Undersigned,  whether  or not  all  Indebtedness  is paid in  full,  until  this
guaranty is revoked by written notice actually received by the Lender,  and such
revocation  shall not be effective as to Indebtedness  existing or committed for
at the  time of  actual  receipt  of such  notice  by the  Lender,  or as to any
renewals,  extensions  and  refinancing  thereof.  If  there  be more  than  one
Undersigned,  such revocation shall be effective only as to the one so revoking.
The death or  incompetence  of the  Undersigned  shall not revoke this guaranty,
except upon actual  receipt of written notice thereof by Lender and then only as
to  the  decedent  or the  incompetent  and  only  prospectively,  as to  future
transactions, as herein set forth.

      3. If the Undersigned shall be dissolved, shall die, or shall be or become
insolvent (however defined) or revoke this guaranty,  then the Lender shall have
the right to declare  immediately  due and  payable,  and the  Undersigned  will
forthwith pay to the Lender,  the full amount of all  Indebtedness,  whether due
and payable or unmatured.  If the Undersigned  voluntarily commences or there is
commenced  involuntarily  against the Undersigned a case under the United States
Bankruptcy  Code,  the full  amount  of all  Indebtedness,  with due  amount  or
unmatured,  shall be  immediately  due and  payable  without  demand  or  notice
thereof.

<PAGE>

      4. The  liability  of the  Undersigned  hereunder  shall be  limited  to a
principal  amount of $ 300,360.00  (if unlimited or if no amount is stated,  the
Undersigned shall be liable for all  Indebtedness,  without any limitation as to
amount), plus accrued interest thereon and all attorneys' fees, collection costs
end enforcement  expenses  referable  thereto.  Indebtedness  may be created and
continued  in any  amount,  whether or not in excess of such  principal  amount,
without effecting or impairing the liability of the Undersigned  hereunder.  The
Lender may apply any sums  received by or  available to Lender on account of the
Indebtedness  from Borrower or any other person (except the  Undersigned),  from
their  properties,  out of any  collateral  security or from any other source to
payment of the excess. Such application of receipts shall not reduce,  affect or
impair the  liability  of the  Undersigned  hereunder.  If the  liability of the
Undersigned  is limited to a stated  amount  pursuant to this  paragraph  4, any
payment made by the Undersigned under this guaranty shell be effective to reduce
or  discharge  such  liability  only if  accompanied  by a  written  transmittal
document,  received by the Lender, advising the Lender that such payment is made
under this guaranty for such purpose.

      5. The Undersigned will pay or reimburse Lender (or all costs and expenses
(including  reasonable attorneys' fees and legal expenses) incurred by Lender in
connection with the  protection,  defense or enforcement of this guaranty in any
litigation or bankruptcy or insolvency proceedings.

      This guaranty  Includes the additional  provisions on page 2, all of which
are made a part hereof.

      This  guaranty Is unsecured;  secured by a mortgage or security  agreement
dated (X) secured by FINANCIAL STATEMENT

      IN  WITNESS  WHEREOF,   this  guaranty  has  been  duly  executed  by  the
Undersigned the day and year first above written.

                                         /s/ DANNY M. DUNNAWAY
                                         ---------------------
                                         Danny M. Dunnaway

<PAGE>

                              ADDITIONAL PROVISIONS

6. Whether or not any existing relationship between the Undersigned and Borrower
has been  changed or ended and whether or not this  guaranty  has been  revoked,
Lender may, but shall not be obligated to, enter into transactions  resulting in
the creation or continuance of Indebtedness,  without any consent or approval by
the Undersigned and without any notice to the Undersigned.  The liability of the
Undersigned  shall not be affected or impaired by any of the  following  acts or
things (which Lender is expressly  authorized to do, omit or suffer from time to
time,  both before and after  revocation of this guaranty,  without notice to or
approval  by the  Undersigned):  (i)  any  acceptance  of  collateral  security,
guarantors,  accommodation parties or sureties for any or all Indebtedness; (ii)
any one or more  extensions  or  renewals  of  Indebtedness  (whether or not for
longer than the original  period) or any  modification  of the  interest  rates,
maturities or other contractual terms applicable to any Indebtedness;  (iii) any
waiver, adjustment,  forbearance,  compromise or indulgence granted to Borrower,
any  delay or lack of  diligence  in the  enforcement  of  Indebtedness,  or any
failure to institute  proceedings,  file a claim,  give any required  notices or
otherwise  protect  any  Indebtedness;  (iv) any  full or  partial  release  of,
settlement  with,  or agreement not to sue,  Borrower or any other  guarantor or
other person  liable in respect of any  Indebtedness;  (v) any  discharge of any
evidence of  Indebtedness or the acceptance of any instrument in renewal thereof
or  substitution  therefor;  (vi) any  failure  to  obtain  collateral  security
(including  rights  of  setoff)  for  Indebtedness,  or to see to the  proper or
sufficient  creation  and  perfection  thereof,  or to  establish  the  priority
thereof,  or to protect,  insure,  or enforce any  collateral  security;  or any
release,  modification,   substitution,  discharge,  impairment,  deterioration,
waste, or loss of any collateral security;  (vii) any foreclosure or enforcement
of any  collateral  security;  (viii) any  transfer of any  Indebtedness  or any
evidence thereof;  (ix) any order of application of any payments or credits upon
Indebtedness;  (xi) any election by the Lender under ss.1111(b)(2) of the United
States Bankruptcy Code.

7. The  Undersigned  waives  any and all  defenses,  claims  and  discharges  of
Borrower, or any other obligor,  pertaining to Indebtedness,  except the defense
of  discharge  by  payment  in full.  Without  limiting  the  generality  of the
foregoing,  the Undersigned will not assert, plead or enforce against Lender any
defense of waiver,  release,  statute of limitations,  res judiceta,  statute of
frauds, fraud, incapacity, minority, usury, illegality or unenforceability which
may be  available  to  Borrower  or any other  person  liable in  respect of any
Indebtedness,  or any setoff  available  against  Lender to Borrower or any such
other  person,  whether  or  not  on  account  of  a  related  transaction.  The
Undersigned expressly agrees that the Undersigned shall be and remain liable, to
the fullest extent  permitted by applicable  law, for any  deficiency  remaining
after foreclosure of any mortgage or security  interest  securing  Indebtedness,
whether  or not  the  liability  of  Borrower  or any  other  obligor  for  such
deficiency  is  discharged  pursuant  to  statute  or  judicial  decision.   The
undersigned shall remain  obligated,  to the fullest extent permitted by law, to
pay such amounts as though the Borrower's obligations had not been discharged.

8. The  Undersigned  further  agrees  that the  Undersigned  shall be and remain
obligated  to pay  Indebtedness  even though any other  person  obligated to pay
Indebtedness,  including Borrower,  has such obligation discharged in bankruptcy
or otherwise  discharged by law.  "Indebtedness"  shall include  post-bankruptcy
petition  interest and  attorneys'  fees and any other amounts which Borrower is
discharged from paying or which do not otherwise  accrue to Indebtedness  due to
Borrower's  discharge,  and the Undersigned  shall remain  obligated to pay such
amounts as though Borrower's obligations had not been discharged.

9. If any payment  applied by Lender to  Indebtedness  is thereafter  set aside,
recovered,  rescinded  or  required to be  returned  for any reason  (including,
without limitation, the bankruptcy,  Insolvency or reorganization of Borrower or
any other obligor), the Indebtedness to which such payment was applied shall for
the  purposes  of this  guaranty  be  deemed  to have  continued  in  existence,
notwithstanding  such application,  and this guaranty shall be enforceable as to
such Indebtedness as fully as if such application had never been made.

<PAGE>

10.  The  Undersigned  waives  any  claim,  remedy  or  other  right  which  the
Undersigned  may now have or  hereafter  acquire  against  Borrower or any other
person obligated to pay Indebtedness  arising out of the creation or performance
of  the  Undersigned's  obligation  under  this  guaranty,   including,  without
limitation,   any   right   of   subrogation,    contribution,    reimbursement,
indemnification,  exoneration,  and any  right to  participate  in any  claim or
remedy the Undersigned may have against the Borrower, collateral, or other party
obligated  for  Borrower's  debts,  whether or not such  claim,  remedy or right
arises in equity, or under contract, statute or common law.

11. The Undersigned waives presentment,  demand for payment,  notice of dishonor
or nonpayment,  and protest of any instrument  evidencing  Indebtedness.  Lender
shell not be  required  first to  resort  for  payment  of the  Indebtedness  to
Borrower or other persons or their properties, or first to enforce, realize upon
or exhaust any  collateral  security for  Indebtedness,  before  enforcing  this
guaranty.

12. The liability of the  Undersigned  under this guaranty is in addition to and
shall be cumulative  with all other  liabilities of the Undersigned to Lender as
guarantor  or  otherwise,  without  any  limitation  as to  amount,  unless  the
instrument or agreement evidencing or creating such other liability specifically
provides to the contrary.

13.  This  guaranty  shall be  enforceable  against  each  person  signing  this
guaranty,  even if only one person signs and  regardless of any failure of other
persons to sign this guaranty.  If there be more than one signer, all agreements
and promises  herein  shall be  construed to be, and are hereby  declared to be,
joint and several in each of every  particular  and shall be fully  binding upon
and enforceable against either, any or all the Undersigned.  This guaranty shall
be  effective  upon  delivery  to Lender,  without  further  act,  condition  or
acceptance  by Lender,  shall be  binding  upon the  Undersigned  and the heirs,
representatives,  successors and assigns of the  Undersigned  and shall inure to
the  benefit  of  Lender  and its  participants,  successors  and  assigns.  Any
invalidity or  unenforceability of any provision or application of this guaranty
shall not affect other lawful provisions and application hereof, and to this end
the  provisions  of this  guaranty  are  declared  to be  severable.  Except  as
authorized  by the terms  herein,  this  guaranty  may not be waived,  modified,
amended, terminated, released or otherwise changed except by a writing signed by
the Undersigned  and Lender.  This guaranty shall be governed by the laws of the
State in  which it is  executed.  The  Undersigned  waives  notice  of  Lender's
acceptance hereof.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00084-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00084-of-00352.parquet"}]]