Document:

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                                                                     EXHIBIT 4.4

THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE
HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A
NOMINEE THEREOF. THIS SECURITY MAY NOT BE TRANSFERRED TO, OR REGISTERED OR
EXCHANGED FOR SECURITIES REGISTERED IN THE NAME OF, ANY PERSON OTHER THAN THE
DEPOSITARY OR A NOMINEE THEREOF AND NO SUCH TRANSFER MAY BE REGISTERED, EXCEPT
IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. EVERY SECURITY
AUTHENTICATED AND DELIVERED UPON REGISTRATION OF TRANSFER OF, OR IN EXCHANGE FOR
OR IN LIEU OF, THIS SECURITY SHALL BE A GLOBAL SECURITY SUBJECT TO THE
FOREGOING, EXCEPT IN SUCH LIMITED CIRCUMSTANCES.

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.

                              JEFFERIES GROUP, INC.

                      7.75% SENIOR NOTE, DUE MARCH 15, 2012

                                                       CUSIP Number: 472319 AA 0

No. 1                                                               $325,000,000

               Jefferies Group, Inc., a corporation duly organized and existing
under the laws of Delaware (herein called the "Company", which term includes any
successor Person under the Indenture hereinafter referred to), for value
received, hereby promises to pay to Cede & Co., or registered assigns, the
principal sum of Three Hundred Twenty-Five Million Dollars ($325,000,000) on
March 15, 2012 and to pay interest thereon from March 12, 2002 or from the most
recent Interest Payment Date to which interest has been paid or duly provided
for, semi-annually on March 15 and September 15 in each year, commencing
September 15, 2002 at the rate of 7.75% per annum, until the principal hereof is
paid or made available for payment. The interest so payable, and punctually paid
or duly provided for, on any Interest Payment Date will, as provided in such
Indenture, be paid to the Person in whose name this Security (or one or more
Predecessor Securities) is registered at the close of business on the Regular
Record Date for such interest, which shall be the March 1 or September 1
(whether or not a Business Day), as the case may be, next preceding such
Interest Payment Date. Any such interest not so punctually paid or duly provided
for will forthwith cease to be payable to the Holder on such Regular Record Date
and may either be paid to the Person in whose name this Security (or one or more
Predecessor Securities) is registered at the close of business on a Special
Record Date for the payment of such Defaulted Interest to be fixed by the
Trustee, notice whereof shall be given to Holders of Securities of this series
not less than 10 days prior to such Special Record Date, or be paid at any time
in any other lawful manner not inconsistent with the requirements of any
securities exchange on which the Securities of this series may be listed, and
upon such notice as may be required by such exchange, all as more fully provided
in said Indenture.

               Payment of the principal of (and premium, if any) and any such
interest on this Security will be made at the office or agency of the Company
maintained for that purpose in New York, New York, in such coin or currency of
the United States of America as at the time of payment is legal tender for
payment of public and private debts provided, however, that at the option of the
Company payment of interest may be made by check mailed to the address of the
Person entitled thereto as such address shall appear in the Security Register.

               Reference is hereby made to the further provisions of this
Security set forth on the reverse hereof, which further provisions shall for all
purposes have the same effect as if set forth at this place.

               Unless the certificate of authentication hereon has been executed
by the Trustee referred to on the reverse hereof by manual signature, this
Security shall not be entitled to any benefit under the Indenture or be valid or
obligatory for any purpose.

               IN WITNESS WHEREOF, the Company has caused this instrument to be
duly executed under its corporate seal.

Dated:  March 12, 2002

                             Attest:                  JEFFERIES GROUP, INC.

                             /s/ Joseph A. Schenk     By: /s/ John C. Shaw
                             --------------------         ---------------------
                                                      Name: John C. Shaw, Jr.
                                                      Title: President

TRUSTEE'S CERTIFICATE OF AUTHENTICATION:

This is one of the Securities of the series designated therein referred to in
the within mentioned Indenture.

THE BANK OF NEW YORK

By: /s/ Stacey B. Poindexter
    ------------------------
    Authorized Signatory

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                                 REVERSE OF NOTE

        This Security is one of a duly authorized issue of securities of the
Company (herein called the "Securities"), issued and to be issued in one or more
series under an Indenture, dated as of March 12, 2002 (herein called the
"Indenture"), between the Company and The Bank of New York, as Trustee (herein
called the "Trustee", which term includes any successor trustee under the
Indenture), to which Indenture and all indentures supplemental thereto reference
is hereby made for a statement of the respective rights, limitations of rights,
duties and immunities thereunder of the Company, the Trustee and the Holders of
the Securities and of the terms upon which the Securities are, and are to be,
authenticated and delivered. This Security is one of the series designated on
the face hereof initially limited in aggregate principal amount to $325,000,000.

        The Securities of this series are subject to redemption upon not less
than 30 days' but not more than 60 days notice by mail at any time, as a whole
or in part, at the election of the Company, at the Redemption Price. The
Redemption Price shall be equal to accrued and unpaid interest on the principal
amount being redeemed to the redemption date plus the greater of 100% of the
principal amount of the Securities to be redeemed and the sum of the present
values of the remaining scheduled payments of principal and interest on the
Securities being redeemed on the Redemption Date, discounted to the Redemption
Date, on a semi-annual basis, at the Treasury Rate, plus 45 basis points.
"Treasury Rate" means the rate per year equal to the semi-annual equivalent
yield to maturity of Comparable Treasury Issue, assuming a price for the
Comparable Treasury Issue, expressed as a percentage of its principal amount,
equal to the Comparable Treasury Price for the Redemption Date. "Comparable
Treasury Issue" means the United States Treasury security selected as having a
maturity comparable to the remaining term of the Securities to be redeemed that
would be utilized, at the time of selection and in accordance with customary
financial practice, in pricing new issues of corporate debt securities of
comparable maturity to the remaining term of such Securities. "Comparable
Treasury Price" means the average of the Reference Treasury Dealer Quotations
for the Redemption Date, after excluding the highest and lowest such Reference
Treasury Dealer Quotations, or if the Trustee obtains fewer than three such
Reference Treasury Dealer Quotations, the average of all Reference Treasury
Dealer Quotations. "Reference Treasury Dealer" means Salomon Smith Barney Inc.
and its successors, and any two other primary Treasury dealers the Company
selects. If any of the forgoing ceases to be a primary U.S. government
securities dealer in New York City, the Company must substitute another primary
Treasury dealer. "Reference Treasury Dealer Quotations" means the average, as
determined by the Trustee, of the bid and ask prices for the Comparable Treasury
Issue, expressed in each case as a percentage of its principal amount, quoted in
writing to the Trustee by such Reference Treasury Dealer at 5:00 p.m. New York
City time on the third Business Day preceding the Redemption Date.

        In the event of redemption of this Security in part only, a new Security
or Securities of this series and of like tenor for the unredeemed portion hereof
will be issued in the name of the Holder hereof upon the cancellation hereof.

        The Indenture contains provisions for defeasance at any time of (l) the
entire indebtedness of this Security or (2) certain restrictive covenants and
Events of Default with respect to this Security, in each case upon compliance
with certain conditions set forth in the Indenture.

        If an Event of Default with respect to Securities of this series shall
occur and be continuing, the principal of the Securities of this series may be
declared due and payable in the manner and with the effect provided in the
Indenture.

        The Indenture permits, with certain exceptions as therein provided, the
amendment thereof and the modification of the rights and obligations of the
Company and the rights of the Holders of the Securities of each series to be
affected under the Indenture at any time by the Company and the Trustee with the
consent of the Holders of a majority in principal amount of the Securities at
the time Outstanding of each series to be affected. The Indenture also contains
provisions permitting the Holders of specified percentages in principal amount
of the Securities of each series at the time Outstanding, on behalf of the
Holders of all Securities of such series, to waive compliance by the Company
with certain provisions of the Indenture and certain past defaults under the
Indenture and their consequences. Any such consent or waiver by the Holder of
this Security shall be conclusive and binding upon such Holder and upon all
future Holders of this Security and of any Security issued upon the registration
of transfer hereof or in exchange herefor or in lieu hereof, whether or not
notation of such consent or waiver is made upon this Security.

        As provided in and subject to the provisions of the Indenture, the
Holder of this Security shall not have the right to institute any proceeding
with respect to the Indenture or for the appointment of a receiver or trustee or
for any other remedy thereunder, unless such Holder shall have previously given
the Trustee written notice of a continuing Event of Default with respect to the
Securities of this series, the Holders of not less than 25% in principal amount
of the Securities of this series at the time Outstanding shall have made written
request to the Trustee to institute proceedings in respect of such Event of
Default as Trustee and offered the Trustee reasonable indemnity and the Trustee
shall not have received from the Holders of a majority in principal amount of
Securities of this series at the time Outstanding a direction inconsistent with
such request, and shall have failed to institute any such proceeding, for 60
days after receipt of such notice, request and offer of indemnity. The foregoing
shall not apply to any suit instituted by the Holder of this Security for the
enforcement of any payment of principal hereof or any premium or interest hereon
on or after the respective due dates expressed herein.

        No reference herein to the Indenture and no provision of this Security
or of the Indenture shall alter or impair the obligation of the Company, which
is absolute and unconditional, to pay the principal of and any premium and
interest on this Security at the times, place and rate, and in the coin or
currency, herein prescribed.

        As provided in the Indenture and subject to certain limitations therein
set forth, the transfer of this Security is registerable in the Security
Register, upon surrender of this Security for registration of transfer at the
office or agency of the Company in any place where the principal of and any
premium and interest on this Security are payable, duly endorsed by, or
accompanied by a written instrument of transfer in form satisfactory to the
Company and the Security Registrar duly executed by, the Holder hereof or his
attorney duly authorized in writing, and thereupon one or more new Securities of
this series and of like tenor, of authorized denominations and for the same
aggregate principal amount, will be issued to the designated transferee or
transferees.

        The Securities of this series are issuable only in registered form
without coupons in denominations of $1,000 and any integral multiple thereof. As
provided in the Indenture and subject to certain limitations therein set forth,
Securities of this series are exchangeable for a

<PAGE>

like aggregate principal amount of Securities of this series and of like tenor
of a different authorized denomination, as requested by the Holder surrendering
the same.

        No service charge shall be made for any such registration of transfer or
exchange, but the Company or the Security Registrar may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection
therewith.

        Prior to due presentment of this Security for registration of transfer,
the Company, the Trustee and any agent of the Company or the Trustee may treat
the Person in whose name this Security is registered as the owner hereof for all
purposes, whether or not this Security be overdue, and neither the Company, the
Trustee nor any such agent shall be affected by notice to the contrary.

        All terms used in this Security which are defined in the Indenture shall
have the meanings assigned to them in the Indenture.<PAGE>

                                                                    EXHIBIT 10.9

                                                   November 4, 2002
Mr. Lloyd H. Feller
3448 Clay Street
San Francisco, CA. 94118

Dear Lloyd:

        We are pleased to offer you a position as Executive Vice President,
General Counsel and Secretary of Jefferies Group, Inc. ("Group") and Jefferies &
Company, Inc. ("Jefferies") and you will also be a member of the Executive
Committee of Jefferies. Initially, you will be based in our San Francisco
office, it being understood that you will relocate to the New York area prior to
the end of 2003 and thereafter will be based in Jefferies' New York and Stamford
offices. This letter will govern the terms of your employment for a two year
period from the commencement of your employment through the date which is two
years thereafter (the "Term"). You will commence your employment at a mutually
acceptable time and date. You will report to me in the exercise of your duties
and responsibilities.

I.      COMPENSATION

        A.      During the Term, you will receive a base salary at the rate of
                $250,000 per annum ("Base Salary"), payable in equal
                installments on approximately the 15th and last day of each
                month.

        B.      Except as otherwise provided in Section III, subject to you
                remaining in the employ of Jefferies and/or Group on the date
                such payments are to be made, you will receive a guaranteed
                bonus for each year of the Term, in the amount of $650,000
                ("Guaranteed Bonus"), which will be paid in equal quarterly
                installments.

        C.      In addition to the foregoing, you may receive an additional
                discretionary bonus, the amount and payment of which shall be in
                Jefferies' sole discretion.

        D.      When you commence employment, Jefferies shall invest in your
                name and on your behalf, $100,000 (which will be deemed
                compensation to you) in the Jefferies Employees Opportunity
                Fund.

        The amounts set forth in this Section I are gross amounts, and Jefferies
shall be required to withhold from such amounts deductions with respect to
Federal, state and local taxes, FICA, Medicare, unemployment compensation taxes
and similar taxes, assessments or withholding requirements. You will be given
the opportunity to participate in the Jefferies' Deferred

<PAGE>

Compensation Plan in 2003 and all other years in which such program is available
to senior executives of Group and/or Jefferies.

         Jefferies will pay the expenses of your relocation from San Francisco
to the New York area in accordance with Jefferies' policies with respect to
reimbursement for relocation expenses. If any of such expenses are deemed income
to you, Jefferies will pay you an additional sum to "gross up" the amount of
such expenses that are deemed income to you so that you do not have any tax
liability for such expenses. Jefferies agrees that you will not be required to
relocate to New York until, at the earliest, October 1, 2003.

II.     RESTRICTED STOCK AND OPTIONS

        In addition to the foregoing, I will recommend to the Compensation
Committee of Group that you receive 25,000 shares of restricted common stock of
Group and options to purchase 25,000 shares of Group common stock. One-fifth of
the restricted stock will vest on each of the first through fifth anniversaries
of the date of grant. The options will be granted and priced at the closing
price of Group common stock on the date this agreement is executed by both
parties and will vest and become exercisable annually over a three year period
from the date of grant.

        The grant of the restricted stock and options which are described above
is contingent upon the approval of the Group Compensation Committee and the
execution of a restricted stock agreement (in the form of Exhibit 1). If
Jefferies terminates your employment for Cause (as defined herein) or you resign
your employment without Good Reason (as defined herein) prior to the date the
restricted stock and options would have vested, the restricted stock and options
will be forfeited. In the event of termination of your employment by Jefferies
without Cause or by you for Good Reason prior to the date the restricted stock
and options would have vested, any unvested restricted stock will immediately
vest and the options will become immediately exercisable.

        In the event of a "Change of Control" prior to the date the restricted
stock and options would have vested if, but only if, such Change of Control
results in an impact on your duties, any unvested restricted stock will
immediately vest and the options will become immediately exercisable. For
purposes hereof, a "Change of Control" will be defined as and shall occur (a) if
any person (as such term is used in Sections 3(a)(9) and 13(d) of the Securities
Exchange Act of 1934 (the "Act")) becomes a beneficial owner (as such term is
used in Rule 13d-3 of the Act) of more than 51% of the voting stock of Jefferies
or Group, (b) as the result of, or in connection with, any cash tender or
exchange offer, merger or other business combination, sale of assets or
contested election, or any combination of the foregoing transactions, holders of
Jefferies' or Group's securities entitled to vote generally in the election of
directors of Jefferies or Group immediately prior to such transaction hold in
the aggregate less than a majority of the then-outstanding securities of
Jefferies or Group (or any successor company or entity) entitled to vote
generally in the election of the directors of Jefferies or Group (or such other
company or entity) after such transaction; or (c) a sale of all or substantially
all of the assets of Jefferies or Group.

<PAGE>

III.    TERMINATION

        Termination by Jefferies

               A. We may terminate your employment under this agreement without
Cause on thirty (30) days notice.

               B. We may terminate your employment under this agreement for
Cause at any time by notifying you of such termination.

               C."Cause" shall mean a determination by the Board of Directors,
subject to clause 6 below, that you have:

                        1. Committed an act that constitutes fraud;

                        2. Willfully engaged in misconduct that is (a)
                materially injurious to Jefferies, or (b) a material violation
                of Jefferies' internal policies or procedures, including but not
                limited to Jefferies Group, Inc.'s Statement of Employee
                Conduct, as amended from time to time;

                        3. Committed an act, which in the written opinion of
                counsel, will lead to your suspension or bar by any regulatory
                body or self-regulatory organization having jurisdiction over
                you;

                        4. Willfully failed to execute a directive of the
                Executive Committee or your supervisor or committed an act
                against the directive of the Executive Committee or your
                supervisor (unless such directive in either case would in your
                reasonable judgment result in act or failure to act that is
                illegal, a breach of a fiduciary duty or unethical); or

                        5. Negotiated or accepted employment with a competitor
                of Jefferies prior to your termination hereunder.

Termination by you

        A.      You may terminate this Agreement at any time for Good Reason or
                without Good Reason by giving notice thereof at least thirty
                (30) days before the effective date of such termination.

        B.      "Good Reason" means

                        1.      Any failure by Group and/or Jefferies to pay or
                                provide the compensation and benefits, including
                                the grant of the restricted stock and options,
                                provided for in this agreement after (i) notice
                                from you of such failure and (ii) a reasonable
                                period of time within which to cure such
                                failure; or.

<PAGE>

                        2.      (a) a change in your responsibilities which
                                represents a materially adverse change in your
                                responsibilities as in effect at any time within
                                the preceding three (3) months; (b) any change
                                in your title, other than by promotion, or (c)
                                termination of your membership on the Executive
                                Committee of Jefferies or any committee or
                                successor to that committee performing a
                                substantially similar function; or

                        3.      Any request or directive that you take any
                                action, including any request or directive that
                                you not take action, that in your reasonable
                                judgment could involve you in an illegal act,
                                breach of fiduciary duty or unethical conduct;
                                provided, however, that for such request or
                                directive to constitute Good Reason, you shall
                                give notice of such concern to the Chairman of
                                the Audit Committee and such request or
                                directive shall not have been withdrawn or the
                                action corrected within ten (10) days of such
                                notice; or.

                        4.      Any request that you relocate to any place other
                                than the greater New York area (which includes
                                Jefferies' Connecticut office), without your
                                prior written agreement to relocate, except for
                                reasonably required business travel.

Severance Benefits

               A. If your employment under this agreement is terminated on or
before the end of the Term by us without Cause or by you for Good Reason, we
shall pay you a lump sum cash payment, within ten (10) days of the date of such
termination, equal to the unpaid Base Salary to the end of the Term and all
unpaid Guaranteed Bonuses to the end of the Term.

               B. If the your employment under this agreement is terminated by
the us for Cause or by the you without Good Reason, the we shall pay you a lump
sum cash payment within ten (10) days of the date of such termination, equal to
your unpaid Base Salary to the termination date.

               C. If the your employment under this agreement is terminated by
reason of your death or your total disability (as defined in Group's long term
disability plan), we shall pay you your unpaid Base Salary to the date of
termination plus a prorated portion of the Guaranteed Bonus, (prorated from the
date of the last quarterly payment to the date of termination). Notwithstanding
anything to the contrary contained in this or any other agreement, the
restrictions on your restricted stock grant shall be removed and all such stock
shall immediately vest.

               D. If you are entitled to receive payments or other benefits
under this agreement upon the termination of your employment, you hereby
irrevocably waive the right to receive any payments or other benefits under any
other severance or similar plan maintained by the Group or Jefferies ("Other
Severance Plan"), provided, however, that if the payments and other benefits
provided under such Other Severance Plan exceed the payments and other benefits

<PAGE>

under this Agreement, you, in your sole discretion, may elect to receive the
payments and benefits under such Other Severance Plan in lieu of the payments
and benefits under this Agreement upon the termination of your employment.
Notwithstanding anything to the contrary in this Agreement, nothing contained
herein shall affect your rights with respect to any stock option, restricted
stock or other equity participation granted pursuant to any stock option,
restricted stock, or other equity participation plan of Group or its affiliates,
all of which shall be governed by the terms of the governing documents,
including the specific grant documents.

IV.     MISCELLANEOUS

        In addition to and except for the matters governed by this Agreement,
you will be entitled to all employee benefits and perquisites under such plans
and programs as provided to other senior executives of Group and/or Jefferies
from time to time.

        Group and Jefferies will indemnify and hold you harmless to the fullest
extent permitted by applicable law if you are or become a party to, a subject or
a target of, or witness or a participant in, or is threatened to be made a party
to, a subject or a target of, or a witness or other participant in, any
threatened, pending or completed action, suit, proceeding or alternative dispute
resolution mechanism, or any hearing, inquiry or investigation that you in good
faith believe might lead to the institution of any such action, suit, proceeding
or alternative dispute resolution mechanism, whether civil, criminal,
administrative, investigative or other (other than an action by or in the right
of the Group or Jefferies) (a "Claim") by reason of (or arising in part out of)
any event or occurrence related to the fact that you are or was a director,
officer, manager, member, employee, agent or fiduciary of Group, or any
subsidiary of Group, or is or was serving at the request of Group or one its
subsidiaries as a director, officer, manager, member, employee, agent or
fiduciary of another corporation, limited liability company, partnership, joint
venture, trust or other enterprise, or by reason of any action or inaction on
your part while serving in such capacity against any and all Expenses (as
defined below), including any and all interest, assessments and other charges
paid or payable in connection with or in respect of such Expenses. Such payment
of Expenses shall be made Group as soon as practicable but in any event no later
than twenty (20) business days after you make written demand therefore to Group.

        Group shall pay all Expenses incurred by you in advance of the final
disposition of a Claim as soon as practicable after you incur the same, but in
any event no later than twenty (20) business days after you make written demand
therefore to the Group. You hereby undertake to repay the amount of any Expenses
paid in advance if it is ultimately determined that you are not entitled to be
indemnified by the Group. Group may request that you reconfirm this undertaking
in writing prior to paying any Expense in advance. Any obligation by you to
reimburse Group for any Expense advance shall be unsecured and no interest shall
be charged thereon.

        "Expenses" shall mean any and all expenses (including attorneys' fees
and all other costs, expenses and obligations) incurred in connection with
investigating, defending, being a witness in, or a subject or a target of, or
participating in (including on appeal), or preparing to defend, to

<PAGE>

be a witness in, or a subject or a target of, or to participate in, any action,
suit, proceeding, alternative dispute resolution mechanism, hearing, inquiry or
investigation; any and all judgments, fines, penalties and amounts paid in
settlement (if such settlement is approved in advance by Group, which approval
shall not be unreasonably withheld or delayed) of any Claim subject to
indemnification hereunder; and any and all federal, state, local or foreign
taxes imposed on you as a result of the actual or deemed receipt of any payments
under this Agreement.

         The indemnification and advancement of expenses provided by this
agreement shall be in addition to any rights to which you may otherwise be
entitled under the Certificate of Incorporation or its Bylaws of Group and/or
Jefferies (as now or hereafter in effect), any other agreement, the Delaware
General Corporation Law, or otherwise.

        This letter agreement, including the exhibit, constitutes the entire
agreement between you and Jefferies with respect to the subject matters referred
to herein, and supersedes all prior or contemporaneous negotiations, promises,
covenants, agreements and representations of every kind or nature with respect
thereto, all of which have become merged and finally integrated into this letter
agreement. This Agreement shall be binding upon and inure to the benefit of and
be enforceable by the each of us and our respective successors, assigns
(including any direct or indirect successor by purchase, merger, consolidation
or otherwise to all or substantially all of the business or assets of the Group)
heirs and personal and legal representatives. The provisions of this agreement
that relate to severance benefits, the restricted stock and options terms and
grants and the indemnification and advancement of expenses shall survive the
termination of your employment or the expiration of the Term.

        If the above terms are acceptable to you, I request that you signify
your acceptance of the terms of this letter by signing and dating the copy
enclosed and returning it to me.

                                            Sincerely,

                                            /s/ Richard B. Handler

                                            Richard B. Handler
                                            Chairman and Chief Executive Officer

Enclosure

AGREED TO AND ACCEPTED BY:

/s/ Lloyd H. Feller                         Dated: 11/4     , 2002
-----------------------------------                    -----
        Lloyd H. Feller

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