Document:

EXHIBIT 10.13

THIS  SECURED  DEBENTURE,  AND  THE  SECURITIES  INTO  WHICH  IT IS  CONVERTIBLE
(COLLECTIVELY,  THE  "SECURITIES"),  HAVE NOT BEEN  REGISTERED  WITH THE  UNITED
STATES  SECURITIES AND EXCHANGE  COMMISSION OR THE SECURITIES  COMMISSION OF ANY
STATE.  THE  SECURITIES  ARE  BEING  OFFERED  PURSUANT  TO A  SAFE  HARBOR  FROM
REGISTRATION UNDER REGULATION D PROMULGATED UNDER THE SECURITIES ACT OF 1933, AS
AMENDED (THE "ACT").  THE SECURITIES ARE  "RESTRICTED" AND MAY NOT BE OFFERED OR
SOLD UNLESS THE SECURITIES ARE REGISTERED UNDER THE ACT,  PURSUANT TO REGULATION
D OR PURSUANT TO AVAILABLE EXEMPTIONS FROM THE REGISTRATION  REQUIREMENTS OF THE
ACT AND THE  COMPANY  WILL BE  PROVIDED  WITH  OPINION  OF COUNSEL OR OTHER SUCH
INFORMATION  AS IT MAY  REASONABLY  REQUIRE TO CONFIRM THAT SUCH  EXEMPTIONS ARE
AVAILABLE. FURTHER HEDGING TRANSACTIONS INVOLVING THE SECURITIES MAY NOT BE MADE
EXCEPT IN COMPLIANCE WITH THE ACT.

                                SECURED DEBENTURE

                      PRODUCTIVITY TECHNOLOGIES CORPORATION

                        5% Secured Convertible Debenture

                                 June ___, 2007

No.  ___                                                           US$50,000.00

     This  Secured   Debenture  (the  "Debenture")  is  issued  by  Productivity
Technologies  Corporation,  a Delaware  corporation (the "Company"),  to Cornell
Capital Partners,  LP (together with its permitted  successors and assigns,  the
"Holder")  pursuant to exemptions from registration  under the Securities Act of
1933, as amended.

                                   ARTICLE I.

     Section 1.01 Principal and Interest.  For value received,  on June 30, 2004
(the "Closing  Date"),  the Company  hereby  promises to pay to the order of the
Holder in  lawful  money of the  United  States of  America  and in  immediately
available  funds the principal sum of Fifty Thousand U.S.  Dollars  (US$50,000),
together with interest on the unpaid  principal of this Debenture at the rate of
five  percent  (5%) per year  (computed  on the basis of a 365-day  year and the
actual  days  elapsed)  from  the  date of this  Debenture  until  paid.  At the
Company's option,  the entire principal amount and all accrued interest shall be
either (a) paid to the Holder on the third (3rd) year  anniversary from the date
hereof or (b)  converted  in  accordance  with  Section  1.02  herein  provided,
however, that in no event shall the Holder be entitled to convert this Debenture
for a number of shares  of  Common  Stock in excess of that  number of shares of
Common  Stock

<PAGE>

which,  upon giving effect to such conversion,  would cause the aggregate number
of shares of Common Stock beneficially owned by the Holder and its affiliates to
exceed  4.99% of the  outstanding  shares of the  Common  Stock  following  such
conversion.

     Section 1.02 Optional Conversion. The Holder is entitled, at its option, to
convert,  and sell on the same  day,  at any time and from  time to time,  until
payment in full of this  Debenture,  all or any part of the principal  amount of
the Debenture,  plus accrued interest,  into shares (the "Conversion Shares") of
the Company's  common stock, par value US$0.001 per share ("Common  Stock"),  at
the price per  share  (the  "Conversion  Price")  equal to the  lesser of (a) an
amount equal to one hundred  twenty  percent  (120%) of the closing bid price of
the Common Stock as listed on a Principal Market (as defined herein),  as quoted
by Bloomberg  L.P.  (the  "Closing Bid Price") as of the date hereof,  or (b) an
amount  equal to eighty  percent  (80%) of the lowest  closing  bid price of the
Company's  Common Stock,  as quoted by Bloomberg,  LP (the "Closing Bid Price"),
for the five (5) trading days immediately  preceding (x) the Conversion Date (as
defined herein) or (y) the Redemption  Price (as defined  herein)  Subparagraphs
(a) and (b) above are individually  referred to as a "Conversion Price". As used
herein,  "Principal  Market" shall mean The National  Association  of Securities
Dealers Inc.'s  Over-The-Counter  Bulletin  Board,  Nasdaq SmallCap  Market,  or
American  Stock  Exchange.  If the  Common  Stock is not  traded on a  Principal
Market, the Closing Bid Price shall mean, the reported Closing Bid Price for the
Common Stock,  as furnished by the National  Association of Securities  Dealers,
Inc., or the Pink Sheets for the  applicable  periods.  No fraction of shares or
scrip  representing  fractions of shares will be issued on  conversion,  but the
number of shares  issuable  shall be  rounded to the  nearest  whole  share.  To
convert this Debenture,  the Holder hereof shall deliver written notice thereof,
substantially  in the form of Exhibit "A" to this  Debenture,  with  appropriate
insertions (the "Conversion Notice"), to the Company at its address as set forth
herein.  The date upon which the conversion  shall be effective (the "Conversion
Date") shall be deemed to be the date set forth in the  Conversion  Notice if no
Redemption  Notice is  received  by the  Holder in  accordance  with the  second
sentence of Section 1.04 hereof or the  Redemption  Date if a Redemption  Notice
has been received.

     Section 1.03  Reservation  of Common  Stock.  The Company shall reserve and
keep available out of its authorized but unissued shares of Common Stock, solely
for the purpose of effecting the  conversion of this  Debenture,  such number of
shares of Common Stock as shall from time to time be  sufficient  to effect such
conversion, based upon the Conversion Price. If at any time the Company does not
have a sufficient number of Conversion Shares authorized and available, then the
Company shall call and hold a special meeting of its  stockholders  within sixty
(60)  days of that  time  for the sole  purpose  of  increasing  the  number  of
authorized shares of Common Stock.

     Section 1.04 Right of Redemption. At any time that no Conversion Notice has
been delivered by the Holder,  the Company at its option shall have the right to
redeem,  with three (3) business days advance  written  notice (the  "Redemption
Notice"), a portion or all outstanding convertible debenture. Upon delivery of a
Conversion  Notice,  the Company  shall have the right to redeem that portion of
the Debenture that the Holder has elected to convert by providing written notice
to the Holder within two Trading Days of the date of the Conversion  Notice (the
"Redemption  Date").  The  redemption  price shall be one hundred twenty percent
(120%) of the amount redeemed plus accrued interest.
<PAGE>

     In the event the Company  exercises a redemption of either all or a portion
the Convertible Debenture,  the Holder shall receive a warrant to purchase fifty
thousand  (50,000)  shares of the  Company's  Common Stock for every One Hundred
Thousand U.S.  Dollars  (US$100,000)  redeemed,  pro rata (the  "Warrant").  The
Warrant shall be exercisable on a "cash basis" and have an exercise price of one
hundred percent (100%) of the Closing Bid Price of the Company's Common Stock on
the Closing Date. The Warrant shall have  "piggy-back"  and demand  registration
rights and shall survive for two (2) years from the Closing Date.

     Section 1.05 Registration  Rights. The Company is obligated to register the
resale of the  Conversion  Shares under the  Securities Act of 1933, as amended,
pursuant to the terms of a Registration  Rights  Agreement,  between the Company
and  the  Holder  of even  date  herewith  (the  "Investor  Registration  Rights
Agreement").

     Section 1.06 Interest Payments. The interest so payable will be paid at the
time of maturity or  conversion  to the person in whose name this  Debenture  is
registered.  At the time such interest is payable,  the Company may elect to pay
the interest in cash (via wire  transfer or  certified  funds) or in the form of
Common Stock. In the event of default as described in Article III,  Section 3.01
hereunder,  the interest  shall be paid in the form of Common Stock.  If paid in
the form of Common Stock, the amount of stock to be issued will be calculated as
follows:  the value of the stock shall be the Closing Bid Price on: (i) the date
the interest  payment is due; or (ii) if the  interest  payment is not made when
due, the date the  interest  payment is made. A number of shares of Common Stock
with a value equal to the amount of interest due shall be issued.  No fractional
shares  will be  issued;  therefore,  in the event  that the value of the Common
Stock per share does not equal the total  interest due, the Company will pay the
balance in cash.

     Section 1.07 Paying Agent and Registrar. Initially, the Company will act as
paying agent and registrar.  The Company may change any paying agent, registrar,
or  Company-registrar by giving the Holder not less than ten (10) business days'
written notice of its election to do so, specifying the name, address, telephone
number and facsimile  number of the paying agent or  registrar.  The Company may
act in any such capacity.

     Section 1.08 Secured  Nature of Debenture.  This  Debenture is secured by a
second  position  security  interest  on all of the assets and  property  of the
Company  as set forth on  Exhibit  A to the  Security  Agreement  dated the date
hereof  between the Company and the Holder (the  "Security  Agreement").  As set
forth in the Security Agreement, Holder's security interest shall terminate upon
the occurrence of an Expiration Event as defined in the Security Agreement.

                                  ARTICLE II.

     Section 2.01  Amendments  and Waiver of Default.  The  Debenture may not be
amended.  Notwithstanding  the above,  without the  consent of the  Holder,  the
Debenture may be amended to cure any ambiguity,  defect or inconsistency,  or to
provide for assumption of the Company obligations to the Holder.

                                  ARTICLE III.

     Section 3.01 Events of Default.  An Event of Default  shall mean any of the
following:  (a)  failure by the  Company to pay  amounts  due  hereunder  within
fifteen (15) days of the date of

<PAGE>

maturity of this  Debenture;  (b) failure by the Company to strictly comply with
the terms of the  Irrevocable  Transfer  Agent  Instructions  as  defined in the
Securities  Purchase  Agreement;  (c) failure by the Company's transfer agent to
issue freely  tradeable  Common Stock to the Holder  within five (5) days of the
Company's receipt of the attached Notice of Conversion from Holder;  (d) failure
by the  Company  for ten (10) days after  notice to it to comply with any of its
other agreements in the Debenture;  (e) events of bankruptcy or insolvency;  (f)
an Event of Default as defined  under the  Securities  Purchase  Agreement,  the
Investor  Registration  Rights Agreement or the Security  Agreement of even date
herewith or breach by the Company of its representations, warranties, covenants,
obligations or agreements under the Securities Purchase Agreement,  the Investor
Registration  Rights  Agreement,  the Security  Agreement or any other agreement
entered into in  connection  therewith or delivered by the Company to the Holder
in connection  therewith;  or (g) if the Company's  Common Stock is not approved
for listing by the  National  Association  of  Securities  Dealers,  Inc. on the
Over-the-Counter  Bulletin  Board  within  ninety (90) days of the date  hereof,
which is not cured by the Company  within ten (10) days after receipt of written
notice thereof.  Upon the occurrence of an Event of Default,  the Holder may, in
its sole discretion, accelerate full repayment of all debentures outstanding and
accrued interest thereon and/or may,  notwithstanding any limitations  contained
in this Debenture and/or the Securities Purchase Agreement dated the date hereof
between the Company and Cornell Capital Partners, L.P. (the "Securities Purchase
Agreement"),  convert all debentures  outstanding and accrued  interest  thereon
into shares of Common Stock pursuant to Section 1.02 herein.

     Section 3.02 Failure to Issue  Unrestricted  Common Stock.  As indicated in
Article III Section 3.01, a breach by the Company of its  obligations  under the
Investor  Registration  Rights  Agreement  shall be deemed an Event of  Default,
which if not cured within ten (10) days,  shall entitle the Holder to accelerate
full repayment of all debentures  outstanding and accrued  interest  thereon or,
notwithstanding   any  limitations   contained  in  this  Debenture  and/or  the
Securities Purchase Agreement, to convert all debentures outstanding and accrued
interest  thereon into shares of Common  Stock  pursuant to Section 1.02 herein.
The Company  acknowledges  that  failure to honor a Notice of  Conversion  shall
cause irreparable harm to the Holder.

                                  ARTICLE IV.

     Section 4.01 Rights and Terms of Conversion. This Debenture, in whole or in
part,  may be converted at any time  following the Closing Date,  into shares of
Common  Stock at a price equal to the  Conversion  Price as described in Section
1.02 above.

     Section 4.02 Re-issuance of Debenture.  When the Holder elects to convert a
part of the  Debenture,  then the Company  shall  reissue a new Debenture in the
same form as this Debenture to reflect the new principal amount.

     Section 4.03  Termination  of  Conversion  Rights.  The  Holder's  right to
convert the Debenture  into the Common Stock in accordance  with  paragraph 4.01
shall  terminate on the date that is the third (3rd) year  anniversary  from the
date hereof and this Debenture shall be automatically  converted on that date in
accordance  with  the  formula  set  forth  in  Section  4.01  hereof,  and  the
appropriate shares of Common Stock and amount of interest shall be issued to the
Holder.
<PAGE>

                                   ARTICLE V.

     Section 5.01 Anti-dilution. In the event that the Company shall at any time
subdivide  the  outstanding  shares  of  Common  Stock,  or shall  issue a stock
dividend  on the  outstanding  Common  Stock,  the  Conversion  Price in  effect
immediately  prior to such subdivision or the issuance of such dividend shall be
proportionately  decreased,  and in the event that the Company shall at any time
combine the outstanding  shares of Common Stock,  the Conversion Price in effect
immediately  prior  to such  combination  shall  be  proportionately  increased,
effective at the close of business on the date of such subdivision,  dividend or
combination as the case may be.

     Section  5.02  Consent of Holder to Sell  Capital  Stock or Grant  Security
Interests.  Except for the Standby Equity Distribution  Agreement dated the date
hereof between the Company and Cornell Capital  Partners,  LP, so long as any of
the principal of or interest on this Debenture  remains unpaid and  unconverted,
the Company shall not,  without the prior  consent of the Holder,  issue or sell
(i)  any  Common  Stock  or  Preferred  Stock  without  consideration  or  for a
consideration  per share less than its fair market value determined  immediately
prior to its issuance, (ii) issue or sell any Preferred Stock, warrant,  option,
right,  contract,  call,  or other  security or  instrument  granting the holder
thereof  the  right to  acquire  Common  Stock  without  consideration  or for a
consideration  per  share  less than  such  Common  Stock's  fair  market  value
determined  immediately  prior to its  issuance,  (iii) enter into any  security
instrument  granting the holder a security  interest in any of the assets of the
Company, or (iv) file any registration statement on Form S-8.

                                  ARTICLE VI.

     Section 6.01 Notice.  Notices regarding this Debenture shall be sent to the
parties at the following  addresses,  unless a party notifies the other parties,
in writing, of a change of address:

If to the Company, to:                 Productivity Technologies Corporation
                                       3100 Copper Avenue
                                       Fenton, Michigan 48430
                                       Attention:        Jesse A. Levine, CFO
                                       Telephone:        (248) 219-5500
                                       Facsimile:        (248)-645-9701

With a copy to:                        Kirkpatrick & Lockhart LLP
                                       201 South Biscayne Boulevard - Suite 2000
                                       Miami, FL  33131-2399
                                       Attention:        Clayton E. Parker, Esq.
                                       Telephone:        (305) 539-3300
                                       Facsimile:        (305) 358-7095
<PAGE>

If to the Holder:                      Cornell Capital Partners, LP
                                       101 Hudson Street, Suite 3700
                                       Jersey City, NJ  07303
                                       Attn:    Mark Angelo
                                       Telephone:        (201) 985-8300
                                       Facsimile:        (201) 985-8266

With a copy to:                        Cornell Capital Partners, LP
                                       101 Hudson Street, Suite 3700
                                       Jersey City, NJ  07303
                                       Attn:    Troy J. Rillo
                                       Telephone:        (201) 985-8300
                                       Facsimile:        (201) 985-8266

     Section 6.02 Governing Law. This Debenture shall be deemed to be made under
and shall be  construed  in  accordance  with the laws of the State of  Delaware
without giving effect to the principals of conflict of laws thereof. Each of the
parties consents to the  jurisdiction of the U.S.  District Court sitting in the
District  of the State of New  Jersey  or the  state  courts of the State of New
Jersey  sitting in Hudson  County,  New Jersey in  connection  with any  dispute
arising under this Debenture and hereby waives,  to the maximum extent permitted
by law, any objection,  including any objection based on forum non conveniens to
the bringing of any such proceeding in such jurisdictions.

     Section 6.03 Severability.  The invalidity of any of the provisions of this
Debenture shall not invalidate or otherwise  affect any of the other  provisions
of this Debenture, which shall remain in full force and effect.

     Section 6.04 Entire Agreement and Amendments. This Debenture represents the
entire  agreement  between the parties hereto with respect to the subject matter
hereof and there are no  representations,  warranties or commitments,  except as
set forth herein. This Debenture may be amended only by an instrument in writing
executed by the parties hereto.

     Section  6.05  Counterparts.  This  Debenture  may be  executed in multiple
counterparts,  each of which  shall be an  original,  but all of which  shall be
deemed to constitute on instrument.

     IN WITNESS WHEREOF, with the intent to be legally bound hereby, the Company
as executed this Debenture as of the date first written above.

                                       PRODUCTIVITY TECHNOLOGIES CORPORATION

                                       By:      /s/Jesse A. Levine
                                          --------------------------------------
                                       Name:    Jesse A. Levine
                                       Title:   CFO
<PAGE>

                                   EXHIBIT "A"

                              NOTICE OF CONVERSION

        (To be executed by the Holder in order to Convert the Debenture)

TO:

     The     undersigned     hereby     irrevocably     elects    to     convert
US$__________________________________  of the  principal  amount  of  the  above
Debenture into Shares of Common Stock of Productivity  Technologies Corporation,
according to the conditions  stated  therein,  as of the Conversion Date written
below.

Conversion Date:
                ----------------------------------------------------------------
Applicable Conversion Price:
                            ----------------------------------------------------
Signature:
          ----------------------------------------------------------------------
Name:
     ---------------------------------------------------------------------------
Address:
        ------------------------------------------------------------------------
Amount to be converted:  US$
                            ----------------------------------------------------
Amount of Debenture unconverted: US$
                                    --------------------------------------------
Conversion Price per share:  US$
                                ------------------------------------------------
Number of shares of Common Stock to be
issued:
       -------------------------------------------------------------------------
Please issue the shares of Common Stock
in the following name and to the
following address:
                 ---------------------------------------------------------------
Issue to:
                ----------------------------------------------------------------
Authorized Signature:
                     -----------------------------------------------------------
Name:
     ---------------------------------------------------------------------------
Title:
      --------------------------------------------------------------------------
Phone Number:
             -------------------------------------------------------------------
Broker DTC Participant Code:
                            ----------------------------------------------------
Account Number:
               -----------------------------------------------------------------FORM OF
                              CONSULTING AGREEMENT
                              --------------------

         In consideration of the issuance of the attached Warrant to purchase
100,000 shares of common stock, par value $.02 per share, of Document Security
Systems, Inc. ("DCSS") (the "Warrant"), Howard Safir, individually and on behalf
of The November Group ("SAFIR") and DCSS agree as follows:

SECTION 1:
         a. SAFIR will employ his best efforts to present and promote the
products and technology of DCSS to contacts and clients of himself and The
November Group, his consulting firm, during the period described in Section 2 of
this Consulting Agreement.

         b. The right to 40,000 shares of the Warrant shall vest immediately
upon the execution of this Agreement. The right to 30,000 shares of the Warrant
shall vest contingent upon SAFIR and/or The November Group, his consulting firm,
making presentation/promotions to contacts and clients and generating $1,000,000
in sales or licensing fees of DCSS products or technology during the first year
following the date of this Agreement. The right to the last 30,000 shares of the
Warrant shall vest contingent upon SAFIR and/or his consulting firm, making
presentation/promotions to contacts and clients and generating $1,000,000 in
sales or licensing fees of DCSS products or technology during the second year of
this Agreement.

SECTION 2:
The term of this Agreement and SAFIR*s performance hereunder encompasses the
period from the date of the execution of this Agreement until two years from the
initial vesting of the Warrant set forth above.

SECTION 3:
DCSS will reimburse SAFIR for all expenses incurred in the performance of this
contract, provided that SAFIR receives DCSS* approval for reimbursement prior to
incurring the expense. Such expenses include, but are not limited to: lodging,
flights, meals, and ground transportation. Unless requested by DCSS, SAFIR is
not obligated to provide cost estimates for expenses when seeking approval,
provided incurred expenses are reasonable for each approved category of expense.
If SAFIR provides a cost estimate prior to approval, incurred and reimbursable
expenses can reasonably vary from the cost estimate.

SECTION 4:
Any notice or other communication required or permitted hereunder shall be in
writing and shall be delivered personally (including by courier or overnight
carrier), or sent by facsimile transmission, or by certified or registered first
class mail, postage prepaid. Any such notice shall be deemed given when so
delivered personally; or if sent by facsimile transmission, when transmitted;
or, if mailed, forty-eight (48) hours after the date of deposit in the mail, as
follows:

<PAGE>

         a. If to SAFIR, to:

                  The November Group do Howard Safir
                  137 Charles Street
                  Annapolis, Maryland 21401
                  Telephone:  (402) 280-2821
                  Fax number: (402) 280-6121

         b. If to DCSS, to:

                  Attention: Patrick White
                  36 W. Main Street
                  Suite 710
                  Rochester, NY 14614
                  Telephone: (585) 232-1500
                  Fax number: (585) 232-5960

Either party may, by notice given in accordance with this Section to the other
party hereto, designate another address, fax number or person for receipt of
notices hereunder.

SECTION 5:
This Consulting Agreement constitutes the entire agreement and understanding
between the parties hereto with respect to the subject matter hereof and
supersedes all prior discussions, agreements and undertakings, written or oral,
of any and every nature with respect thereto. No course of prior dealings
between SAFIR and DCSS or usage of trade shall be relevant to give particular
meaning to, supplement or qualify any of the terms and conditions of this
Consulting Agreement.

SECTION 6:
This Consulting Agreement may be amended, superseded or canceled, and the terms,
provisions and conditions hereof may be waived, only by a written instrument
signed by authorized representatives of the parties hereto or, in the case of a
waiver, by an authorized representative of the party waiving compliance. No such
written instrument shall be effective unless it expressly recites that it is
intended to amend, supersede or cancel this Consulting Agreement or to waive
compliance with one or more of the terms hereof, as the case may be. No delay on
the part of any party in exercising any right, power or privilege hereunder
shall operate as a waiver thereof, nor shall any waiver on the part of any party
of any such right, power or privilege, or any single or partial exercise of such
right, power or privilege, preclude any further exercise thereof or the exercise
of any other such right, power or privilege. The rights and remedies herein
provided are cumulative and are not exclusive of any rights or remedies that any
party may otherwise have at law or in equity.

SECTION 7:
This Consulting Agreement shall be binding upon and inure to the benefit of the
parties hereto and their respective successors and permitted assigns. This
Consulting Agreement is not assignable without the prior written consent of the
non-assigning party hereto, except that either party hereto may assign its
rights hereunder to an affiliate of such party without the permission of the
other party; PROVIDED, HOWEVER, that no such assignment shall operate to release
the assigning party from its duties or liabilities hereunder.

<PAGE>

SECTION 8:
This Consulting Agreement may be executed by the parties hereto in separate
counterparts which together shall constitute one and the same instrument.

SECTION 9:
None of the provisions of this Consulting Agreement shall be for the benefit or
enforceable by any other person not a party to this Consulting Agreement.

SECTION 10:
If any provision or any portion of any provision of this Consulting Agreement or
the application of any such provision or any portion thereof to any person or
circumstance, shall be held invalid or unenforceable, the remaining portion of
such provision and the remaining provisions of this Consulting Agreement, or the
application of such provision or portion of such provision as is held invalid or
unenforceable to persons or circumstances other than those as to which it is
held invalid or unenforceable, shall not be affected thereby and such provision
or portion of any provision as shall have been held invalid or unenforceable
shall be deemed limited or modified to the extent necessary to make it valid and
enforceable and in no event shall this Consulting Agreement be rendered void or
unenforceable.

SECTION 11:
The parties hereto represent that in the negotiation and drafting of this
Consulting Agreement they have each been represented by and relied upon the
advice of the respective counsel of its choice. The parties hereto affirm that
each of their counsel have had a substantial role in the drafting and
negotiation of this Consulting Agreement and, therefore, the rule of
construction to the effect that any ambiguities are to be resolved against the
drafting party shall not be employed in the interpretation of this Consulting
Agreement.

SECTION 12:
This Consulting Agreement is being executed simultaneously with the Warrant.
This Consulting Agreement is governed by New York law (without regard to the
choice of law principles thereof).

DOCUMENT SECURITY SYSTEMS, INC.        HOWARDSAFIR/THE NOVEMBER GROUP

By: ______________________    _______  By: _______________       _______
       Patrick White           As of       Howard Safir           As of
       President/CEO       July 18, 2003                       July 18, 2003

<PAGE>

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