Document:

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                                                                   EXHIBIT 10.14

                                MD2PATIENT, INC.
                              EMPLOYMENT AGREEMENT

         THIS EMPLOYMENT AGREEMENT (the "Agreement"), dated as of March 8, 2000,
is by and between MD2PATIENT, INC., a Georgia corporation ("Employer"), and
Nicholas A. Balog, an individual resident of the State of Tennessee
("Executive").

SECTION  1.       EMPLOYMENT.

         Employer employs Executive, and Executive accepts employment upon the
terms and conditions of this Agreement.

SECTION  2.       TERM.

         The term of this Agreement shall begin on the date first set forth
above and shall terminate on the second anniversary of such date. Unless earlier
terminated in accordance with Section 8 hereof, this Agreement shall be
automatically renewed for additional successive periods of one (1) year each
unless written notice of intention not to renew is given by Executive to
Employer or by Employer to Executive at least one hundred twenty (120) days
before the expiration of the term.

SECTION 3.        SERVICES.

         Executive shall serve as Executive Vice President of Employer, and
shall be responsible for the Operational affairs of the Employer, subject to the
direction and control of the Chief Executive Officer and the Board of Directors
of Employer. Executive shall exert his best efforts and devote substantially all
of his time and attention to the affairs of the Employer.

SECTION 4.        COMPENSATION.

         4.1      BASE SALARY. During the first year of this Agreement, Employer
shall pay Executive a base annual salary of $175,000. Executive's base salary
during any extension or renewal of the term of the Agreement shall be as agreed
upon by the parties. During the second year of this Agreement and any extension
or renewal term, the Board of Directors of the Company, or a committee thereof,
may increase Executive's base compensation to a level it deems appropriate in
its sole discretion.

         4.2      RESTRICTED STOCK. In addition to the base salary set forth
above, Employer shall grant to Executive 500,000 shares of its common stock, par
value $.01 per share, such shares to be subject to certain restrictions set
forth in a restricted stock award agreement to be executed by Executive.

         4.3      ADDITIONAL COMPENSATION. Executive may also be paid a bonus as
may be agreed upon by the parties from time-to-time or as may be granted from
time-to-time by the

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Board of Directors of Employer, or a committee thereof, pursuant to an executive
bonus or incentive plan.

         4.4      WITHHOLDING. All payments under this Agreement shall be
subject to any and all withholding and other applicable taxes.

SECTION 5.        ADDITIONAL BENEFITS.

         In addition to his salary, Executive shall receive the benefit of all
standard fringe benefits customarily furnished by Employer to other executives
of equal rank and reimbursement for reasonable expenses incurred on behalf of
Employer as provided in Section 6 below. Employer shall provide health insurance
and disability insurance for Executive with Executive paying a portion of the
applicable premiums in effect at the time.

SECTION 6.        EXPENSES.

         Executive may incur reasonable expenses for promoting Employer's
business, including expenses for entertainment, travel and similar items.
Employer will reimburse Executive for all such expenses upon Executive's
periodic presentation of an itemized account of such expenditures, accompanied
by receipts, if appropriate.

SECTION 7.        VACATION.

         Executive shall be entitled to four (4) weeks of paid vacation per
year.

SECTION 8.        TERMINATION.

         8.1      BY EXECUTIVE. In addition to his right to elect not to renew
this Agreement as provided in Section 2 hereof, Executive may terminate this
Agreement upon thirty (30) days' prior written notice to Employer. In such
event, Executive shall continue to render his services, shall be covered by the
additional benefits in Section 5 above, and shall be paid his regular
compensation up to the date of termination, but no severance allowance shall be
paid to Executive. Upon termination of his employment and upon experiencing a
qualifying event, COBRA coverage shall be made available in compliance with
federal law.

         8.2      BY EMPLOYER WITH CAUSE. With cause, Employer may terminate
this Agreement at any time without prior notice. For purposes of this Agreement,
"cause" shall include:

                  8.2.1    Fraud, misappropriation, embezzlement, or the like by
                           Executive;

                  8.2.2    Engaging in competition with Employer, as defined
                           below; or

                  8.2.3    Disclosing proprietary information of Employer as
                           defined below, except within the proper scope of
                           Executive's employment.

                                      -2-

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         8.3      BY EMPLOYER WITHOUT CAUSE. In addition to its right to elect
not to renew this Agreement, as provided herein, Employer may terminate this
Agreement without cause upon 30 days prior written notice to Executive.

         8.4      "ENGAGING IN COMPETITION" DEFINED. For purposes of this
Agreement, the term "engaging in competition with Employer" shall mean serving
as a director, officer, partner, employee, manager, consultant, agent,
independent contractor, advisor, creditor or equity owner (except for ownership
of less than five percent (5%) of the stock of a publicly-traded company) or
otherwise providing any services for or assistance to any business or
organization that, within the State of Tennessee, directly or indirectly engages
in competition with the provision of Internet-based medical content and
healthcare services engaged in by Employer or any subsidiary, division or
affiliate thereof as of the last day of Executive's employment with Employer.

         8.5      "DISCLOSING PROPRIETARY INFORMATION OF EMPLOYER" DEFINED. For
purposes of this Agreement, "disclosing proprietary information of Employer"
shall mean disclosing any item of proprietary information or trade secret of
Employer including, but not limited to, customer lists, sales lists, invoices,
confidential selling and profit information, technology, finances, earnings,
volume of business, outlets, methods, systems, practices, plans, and other items
of trade secrets, trade knowledge, and trade know-how with the intent or in a
manner reasonably expected to provide a competitive advantage to another party.

         8.6      SEVERANCE PAY. In the event an election not to renew this
Agreement is made by Executive pursuant to the provisions of Section 8.1 hereof,
or in the event this Agreement is terminated pursuant to the provisions of
Sections 8.2 hereof by Employer, Executive's compensation shall cease on the
date on which this Agreement is terminated, and Executive shall be entitled to
no severance pay. In the event this Agreement is terminated pursuant to the
provisions of Section 8.3 hereof, as severance pay for such termination,
Executive shall continue to receive his then-current salary and health benefits
at Company expense for a period of one (1) year following such termination.

SECTION 9.        RESTRICTIVE COVENANT.

         For a period of twelve (12) months following the expiration or
termination of this Agreement for any reason whatever, Executive shall neither
engage in competition with Employer nor disclose proprietary information of
Employer, as those terms are defined in Section 8, hereof, neither shall
Executive solicit or otherwise contact existing subscribers of Employer for
purposes of engaging in competition with Employer. In the event of Executive's
actual or threatened breach of the provisions of this paragraph, Employer shall
be entitled to an injunction restraining Executive therefrom and Executive
hereby consents to such injunction; provided, however, that nothing herein shall
be construed as prohibiting Employer from pursuing any other available remedies
for such breach or threatened breach, including the recovery of damages from
Executive.

                                      -3-

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SECTION 10.       LIFE INSURANCE.

         Executive acknowledges that Employer shall have the right, at its sole
expense, to procure life insurance on his life of which the Employer or its
designee shall be the sole beneficiary, and agrees that he shall take all such
actions, submit to such examinations, and execute all such documents as are
reasonably necessary to enable Employer to obtain such coverage.

SECTION 11.       ENTIRE AGREEMENT; AMENDMENTS.

         This Agreement, along with any exhibits or schedules attached hereto or
delivered pursuant hereto, all of which form a part hereof, contain the entire
understanding of the parties with respect to the matters set out herein, merging
and superseding all prior and contemporaneous agreements and understandings
between the parties with respect to such matters. This Agreement may be amended
only by a written instrument duly executed by all parties or their respective
heirs, successors, assigns or legal personal representatives.

SECTION 12.       ASSIGNMENT.

         Executive acknowledges that the services to be rendered by him are
unique and personal and, accordingly, that he shall not assign any of his rights
or delegate any of his duties or obligations under this Agreement.

         This Agreement may not be assigned by the Employer except to an
affiliate of the Employer provided, however, that if the Employer shall merge or
effect a share exchange with or into, or sell or otherwise transfer
substantially all its assets to, another corporation, the Employer shall assign
its rights hereunder to that corporation and cause such corporation to assume
the Employer's obligations under this Agreement.

SECTION 13.       WAIVER OF BREACH.

         Either party may, by written notice to the other: (i) extend the time
for the performance of any of the obligations or other actions of the other;
(ii) waive compliance with any of the covenants of the other contained in this
Agreement; and (iii) waive or modify performance of any of the obligations of
the other. However, mere forbearance or indulgence by either party in any regard
whatsoever shall not constitute a waiver of the covenant or condition to be
performed by the other party to which the same may apply and, until complete
performance of said covenant or condition, said party shall be entitled to
invoke any remedy available under this Agreement or by law or in equity despite
said forbearance or indulgence.

SECTION 14.       NOTICES.

                                      -4-

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         All notices, offers, requests, demands, and other communications
pursuant to this Agreement shall be given in writing by personal delivery, by
prepaid first class registered or certified mail properly addressed with
appropriate postage paid thereon, nationally recognized overnight courier
service, or facsimile transmission, and shall be deemed to be duly given and
received on the date of delivery if delivered personally, on the third business
day after the deposit in the United States Mail if mailed, upon acknowledgement
of receipt of electronic transmission if sent by facsimile transmission, or on
the first business day after delivery to a nationally recognized overnight
courier service for overnight delivery. Notices shall be sent to the parties at
the following addresses:

         If to Employer:   MD2patient, Inc.
                           501 Corporate Centre Drive, Suite 200
                           Franklin, Tennessee 37067
                           Attention: President

         With a copy to:   Alston & Bird, LLP
                           One Atlantic Center
                           1201 West Peachtree Street
                           Atlanta, Georgia 30309-3424
                           Attn: R. Gregory Brophy

         If to Executive:  the address set forth on the signature page hereto

or to such other addresses as any party may have furnished to the others in
writing in accordance herewith, except that notices of change of address shall
only be effective upon receipt.

SECTION 15.       GENDER, NUMBER.

         Whenever the context of this Agreement so requires, the masculine
gender shall include the feminine or neuter, the singular number shall include
the plural, and reference to one or more parties hereto shall include all
assignees of the party.

SECTION 16.       HEADINGS.

         The section and paragraph headings contained in this Agreement are for
reference purposes only and shall not affect in any way the meaning or
interpretation of this Agreement.

SECTION 17.       GOVERNING LAW; FORUM; SERVICE OF PROCESS.

         This Agreement shall be governed by and construed in accordance with
the laws of the State of Tennessee. This Agreement and its subject matter have
substantial contacts with Tennessee, and all actions, suits, or other
proceedings with respect to this Agreement shall be brought only in a court of
competent jurisdiction sitting in Davidson County, Tennessee or in the Federal
District Court having jurisdiction over the County. In any such action, suit, or

                                      -5-

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proceeding, such court shall have personal jurisdiction of all of the parties
hereto, and service of process upon them under any applicable statutes, laws,
and rules shall be deemed valid and good. In the event of a party's actual or
threatened breach of the provisions of this Agreement, the other party to this
Agreement shall be entitled to an injunction restraining such party therefrom
and each party hereby consents to such injunction; provided, however, that
nothing herein shall be construed as prohibiting the other parties from pursuing
any other available remedies for such breach or threatened breach, including the
recovery of damages from such party.

SECTION 18.       SEVERABILITY.

         In the event that any provision of this Agreement, or the application
thereof to any person or circumstance, is held by a court of competent
jurisdiction to be invalid, illegal or unenforceable in any respect in any
jurisdiction, such invalidity, illegality or unenforceability shall not affect
any other provision of this Agreement in that jurisdiction or the application of
that provision to any other person or circumstance or in any other jurisdiction,
and this Agreement shall then be construed in that jurisdiction as if such
invalid, illegal or unenforceable provision had not been contained in this
Agreement, but only to the extent of such invalidity, illegality or
unenforceability.

SECTION 19.       FURTHER ASSURANCES.

         Each party shall perform such further acts and execute and deliver such
further documents as may be reasonably necessary to carry out the provisions of
this Agreement.

         IN WITNESS WHEREOF the parties hereto have caused the Agreement to be
executed by themselves or their duly authorized representatives as of the day
and year first written above.

                               EMPLOYER:

                               MD2PATIENT, INC.

                               By:    /s/ Joseph B. Crace
                                  -------------------------------------------
                               Name:  Joseph B. Crace
                                    -----------------------------------------
                               Title: Chief Executive Officer
                                     ----------------------------------------

                               EXECUTIVE:

                                   /s/ Nicholas A. Balog
                               ----------------------------------------------
                               Nicholas A. Balog

                               Address:  648 Good Springs Road
                                         Brentwood, Tennessee 37027

                                       -6-<PAGE>   1
                                                                   Exhibit 10.37

                       [ROYAL BANK OF CANADA LETTERHEAD]

March 22, 2000

PRIVATE & CONFIDENTIAL
Consolidated Water Co. Ltd.
Box 1114
Grand Cayman, B.W.I.

ATTENTION: Alex Bodden

Dear Sir:

RE: Confirmation of Credit Facilities

Further to our recent discussions, and subject to the undernoted terms and
conditions, we are pleased to offer you financing as follows:

LENDER:        ROYAL BANK OF CANADA (The "Bank")

BORROWER:      Consolidated Water Co. Ltd. (The "Borrower")

AMOUNT:        Segment 1) $1,000,000 - Overdraft, revolving
               Segment 2) $1,000,000 - Term loan
               Segment 3) $1,500,000 - Term loan
               Segment 4) $1,500,000 - Term loan
               Segment 5) $  500,000 - Overdraft, temporary

CURRENCY:      All dollar amounts in this letter refer to United States
               funds, unless otherwise specified.

PURPOSE:       Segment 1) General Operating purposes
               Segment 2) Term out outstanding overdraft
               Segment 3) Office Building

                                                                     Page 1 of 9

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                    Segment 4) 40% interest in Sea Tec Belize Ltd.
                    Segment 5) Temporary Operating

INTEREST RATES:     Segment 1) USD Prime + 1%/KYD Prime + 1%
                    Segment 2) Libor + 1.50%
                    Segment 3) Libor + 1.50%
                    Segment 4) Libor + 1.50%
                    Segment 5) USD Prime + 1%/KYD Prime + 1%

                    The Borrower shall pay interest monthly in arrears on
                    Prime-based facilities at the annual rate set out above
                    calculated on a daily basis and based on the actual number
                    of days elapsed in the period for which interest is being
                    calculated divided by 365. The annual rates of interest to
                    which the rates calculated in accordance with the foregoing
                    provisions are equivalent, are the rates so determined
                    multiplied by the actual number of days in a one year period
                    calculated from the first day on which interest is to be
                    calculated and divided by 365. These rates apply after as
                    well as before maturity, default, and judgement, with
                    interest on overdue interest at the same rate as on the
                    principal.

                    Libor loans:

                    Interest on Libor loans shall be payable on each Libor
                    interest date. The yearly rates of interest to which the
                    rates determined in accordance with the Libor provisions of
                    this agreement are equivalent, are rates so determined
                    multiplied by the actual number of days in a year and
                    divided by 360.

SERVICE PRICING:    a)  An annual review fee of 1/16% ($3,215 this year) will be
                        charged to cover the administration involved in
                        reviewing the company's financial information and
                        re-establishing facilities.

                    b)  Any temporary excesses and additional credit
                        requirements are subject to approval and may be assessed
                        a fee of up to 1%, minimum $1,000.

                    c)  Any requests for amendments to the Borrower's current
                        line of credit may be assessed a fee in the minimum
                        amount of $1,000 per occasion.

                                                                     Page 2 of 9
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REPAYMENT:          Segment 1) Revolving; repayment in full upon demand.

                    Segment 2) Consecutive monthly principal payments of $8,333
                    plus interest (5 year term, 10 year amortization).

                    Segment 3) Consecutive monthly principal payments of $12,500
                    plus interest (5 year term, 10 year amortization).

                    Segment 4) Consecutive monthly principal payments of $12,500
                    plus interest (5 year term, 10 year amortization).

                    Segment 5) Due in full June 30, 2000.

                    Prohibited Interest - Nothing in this agreement shall be
                    construed as obliging the Borrower to pay any interest,
                    charges or other expenses as provided by this agreement or
                    in any other security agreement related thereto in excess of
                    what is permitted by law.

PREPAYMENTS:        Segment 1) may be prepaid in whole or in part without
                    penalty.

                    Segments 2) 3) & 4) may only be repaid at maturity (maturity
                    of each term, i.e., 30 days, 60 days, 90 days etc.)

SECURITY:           General Security for all Loans

                    Certified copy of directors' resolutions, bylaws, legal
                    opinions and attendant documents as may be requested by the
                    Bank.

                    Fixed and floating charge debenture of USD$2,500,000, with
                    fixed charge covering West Bay Beach North, Block 11D,
                    Parcel 8 and collateral charge covering Governor's Harbour
                    property and floating charge covering all other assets of
                    the Borrower (To be up stamped to USD$5,500,000 when
                    Segments 3 & 4 drawn down).

                                                                     Page 3 of 9
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                              Guarantee & Postponement of Claim in favour of
                              Consolidated Water Co. Ltd. signed by Cayman Water
                              Company Limited.

INSURANCE:                    The Borrower will lodge with the Bank
                              comprehensive insurance policies satisfactory to
                              the Bank, covering buildings, equipment and
                              inventory with loss made payable firstly to the
                              Bank.

                              In addition, Construction and All Risk insurance
                              is also to be assigned with loss payable to Royal
                              Bank during the construction period of the office
                              building (Segment 3).

LIFE INSURANCE:               The Borrower acknowledges that loans are not life
                              insured.

REPRESENTATIONS,
WARRANTIES &
ACKNOWLEDGMENTS:              The Borrower represents and warrants to the Bank
                              that:

                              1)  it is a corporation validly incorporated and
                                  subsisting under the laws of Cayman Islands,
                                  and that it is duly registered or qualified to
                                  carry on business in all jurisdictions where
                                  the character of the properties owned by it or
                                  the nature of its business transacted makes
                                  such registration or qualification necessary;

                              2)  the execution and delivery of this Agreement
                                  has been duly authorized by all necessary
                                  actions and does not (i) violate any law or,
                                  any provision of the charter or any unanimous
                                  shareholders agreement to which it is subject
                                  or, (ii) result in a breach of, a default
                                  under, or the creation of any encumbrance on
                                  the properties and assets of it under any
                                  agreement or instrument to which it or any of
                                  its properties and assets may be bound or
                                  affected.

                              3)  There is no provision in the Borrower's
                                  articles, bylaws or any unanimous shareholder
                                  agreement respecting the ability of the
                                  Borrower to:

                                  a)  borrow money upon the credit of the
                                      Borrower;

                                                                     Page 4 of 9

<PAGE>   5
                                  b)  issue, reissue, sell or pledge debt
                                      obligations of the Borrower;

                                  c)  give a guarantee on behalf of the Borrower
                                      to secure performance of an obligation to
                                      any person; and

                                  d)  mortgage, hypothecate, pledge or otherwise
                                      create a security interest in all or any
                                      property of the Borrower, owned or
                                      subsequently acquired, to secure any debt
                                      obligation of the Borrower.

                              4)  The Borrower is in compliance with all
                                  applicable statutes, regulations, orders and
                                  bylaws enacted or adopted for the protection
                                  and conservation of the natural environment.

                              5)  The Borrower has obtained all certificates,
                                  approvals, permits, consents, orders and
                                  directions required concerning the
                                  installation or operation of any machinery,
                                  equipment or facility constituting assets of
                                  the Borrower, or required concerning any land
                                  of the Borrower, or required concerning any
                                  structure, activity or facility on or in any
                                  land of the Borrower, and the Borrower is not
                                  aware of any circumstances which might give
                                  rise to the revocation of any such
                                  certificates, approvals, permits, consents,
                                  orders and directions or the implementation of
                                  further orders of directions relating to the
                                  above which might affect the land or the
                                  business of the Borrower which the Borrower
                                  has not disclosed fully in writing to the
                                  Bank.

COVENANTS:                        The Borrower, by accepting this Offer,
                                  agrees:

                                  1)  to deliver to the Bank such financial and
                                      other information as the Bank may
                                      reasonably request from time to time.

                                  2)  not to grant or create any security
                                      interest, lien, charge or encumbrance
                                      affecting any of its properties or assets,
                                      except for any security

                                                                     Page 5 of 9

<PAGE>   6
                         interest granted to secure an obligation created solely
                         for the purchase of additional fixed assets required
                         for the efficient operation of its business with any
                         such security to cover only the assets purchased.

                    3)   Debt to Equity shall not exceed 0.85.

                         "Equity" is defined as the total of share capital,
                         contributed surplus, retained earnings and postponed
                         shareholder loans minus intangible assets and amounts
                         owed to the Borrower by shareholders/associated
                         companies.

                    4)   to maintain a Debt Servicing ratio of not less than
                         1.25.

                    All covenants in this agreement or any other agreement
                    between the Borrower and the Bank or other documentation or
                    security will remain in force for the benefit of the Bank at
                    all times before and after the making of advances hereunder
                    and/or the taking of security pursuant hereto.

OTHER CONDITIONS:   If the Bank chooses to grant forbearance or a waiver of any
                    of the terms and conditions of this letter, this action will
                    not affect the Bank's ability to act on any subsequent
                    breach or default or the rights of the Bank resulting
                    therefrom.

EVIDENCE OF
INDEBTEDNESS:       The Bank shall open and maintain at the Branch of Account,
                    accounts and records evidencing the Borrowings made
                    available to the Borrower by the Bank under this agreement.
                    The Bank shall record the principal amount of such
                    Borrowings, the payment of principal and interest on account
                    of the loans, and all other amounts becoming due to the Bank
                    under this agreement.

                    The Bank's accounts and records constitute, in the absence
                    of manifest error, prime facie evidence of the indebtedness
                    of the Borrower to the bank pursuant to this agreement.

                                                                     Page 6 of 9

<PAGE>   7
                    The Borrower authorizes and directs the Bank to
                    automatically debit, by mechanical, electronic
                    or manual means, any bank account of the Borrower
                    for all amounts payable under this agreement, including
                    but not limited to, the repayment of principal and the
                    payment of interest, fees and all charges for the keeping
                    of such account.

EVENTS OF DEFAULT:  Without limiting the Bank's right to make demand for
                    payment at any time on demand loans, the Bank may
                    immediately withdraw the Borrower's right to further borrow
                    under this agreement, demand immediate repayment of all
                    amounts outstanding, together with outstanding accrued
                    interest and realize on all or any portion of the security
                    granted to the Bank if any of the following events of
                    default occur:

                    1)   Failure of the Borrower to pay any principal, interest
                         or other amounts when due pursuant to this agreement;

                    2)   Failure of the Borrower to observe or perform any
                         covenant, condition or provision in this agreement or
                         other documentation or security;

                    3)   If the Borrower becomes insolvent, commits an act of
                         bankruptcy, makes an assignment of property for the
                         benefit of its creditors, or enters into a bulk sale
                         of its assets without the prior written approval of
                         the Bank;

                    4)   If any proceeding is taken with respect to a
                         compromise or arrangement with the creditors of the
                         Borrower, including under the Companies' Creditors
                         Arrangement Act or to have the Borrower declared
                         bankrupt or wound up, or to have a Receiver or Receiver
                         Manager appointed of any part of the mortgaged
                         property or if any encumbrancer takes possession of
                         any part thereof;

                                                                     Page 7 of 9

<PAGE>   8
                         5) There occurs, in the sole opinion of the Bank:

                            (a) a material adverse change in the financial
                                condition of the Borrower; or

                            (b) an unacceptable change in ownership of the
                                Borrower; or

                            (c) legal implications detrimental to the affairs of
                                the Borrower;

CONDITIONS PRECEDENT:    The obligation of the Bank to make these credit
                         facilities available to the Borrower is subject to and
                         conditional upon:

                              All security and/or documentation being completed
                              and registered in form and substance satisfactory
                              to the Bank.

PREDISBURSEMENT          All regulatory approvals are to be in place prior to
CONDITIONS:              advancing funds (Segment 3).

                         An Engineering firm, Architect or Quantity Surveyor
                         must certify budget adequacy, completeness of plans,
                         compliance to codes, adequacy of structure, Electrical
                         and mechanical systems and review and approve budget
                         survey and construction schedule prior to each
                         construction draw.

REVISION DATE:           Without limiting any rights the Bank may have to
                         demand payment, these credit facilities will be
                         subject to review at the Bank's discretion and at
                         least annually.

LEGAL COSTS:             All legal costs, fees, expenses, etc. incurred in
                         establishing these credit facilities, preparation and
                         maintenance of security and documentation are for
                         account of the Borrower.

ACCEPTANCE:              This offer expires if not accepted in writing by April
                         15th, 2000, unless extended in writing by the Bank.

                                                                     Page 8 of 9

<PAGE>   9
Please acknowledge your acceptance of the above terms and conditions by signing
the attached copy of this Offer to Finance in the space provided below and
returning to the undersigned. This Offer to Finance cancels and supersedes any
previous offers.

                                                 Yours truly,

                                                 ROYAL BANK OF CANADA

                                                 /s/ G.C. Plamondon

                                                 G.C. PLAMONDON,
                                                 Sr. Assistant Manager

                                                                     Page 9 of 9

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