Document:

<PAGE>

                              EMPLOYMENT AGREEMENT
                              --------------------

         THIS EMPLOYMENT AGREEMENT (the "Agreement"), made this 1st day of June,
2001 (the "Agreement Date"), is entered into by Be Free, Inc., a Delaware
corporation with its principal place of business at 154 Crane Meadow Road Suite
100, Marlborough, MA, 01752 (the "Company"), and Gordon B. Hoffstein (the
"Employee").

         WHEREAS, for the mutual covenants and promises contained herein, and
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged by the parties hereto, the parties agree as follows:

         1.    Employment and Term
               -------------------

         1.1   Employment. The Company hereby agrees to employ the Employee, and
               ----------
the Employee hereby accepts employment with the Company during the Term of this
Agreement, upon the terms set forth in this Agreement. At all times, the
Employee will be employed by the Company on an at-will basis and this Agreement
does not create an obligation on the part of the Company to employ the Employee
for a specific term. Either the Company or the Employee may terminate the
employment relationship at any time and for any or no reason.

         1.2   Term.  This Agreement shall commence on the Agreement Date and
               ----
end on December 31, 2002 (the "Term").

         2.    Position and Responsibilities. The Employee agrees to serve as
               -----------------------------
the Chief Executive Officer for the Company and shall be based at the Company's
location in Marlborough, Massachusetts, or such place or places within a
seventy-five (75) mile radius of such location as the Board of Directors of the
Company (the "Board") shall determine. The Employee shall be subject to the
supervision of, and shall have such authority as is delegated to him by, the
Board.

         As the Chief Executive Officer, the Employee agrees to undertake the
duties and responsibilities inherent in the position.

         The Employee agrees to devote his entire business time, attention and
energies to the diligent, faithful, and competent discharge of such duties and
responsibilities for the successful operation of the Company and its business
interests. The Employee agrees to abide by the rules, regulations, instructions,
personnel practices and policies of the Company and any changes therein which
may be adopted from time to time by the Company. The Employee acknowledges
receipt of copies of all such rules and policies committed to writing as of the
date of this Agreement.

         3.    Compensation and Benefits.
               -------------------------

         3.1   Salary. In consideration of the services to be rendered by the
               ------
Employee, the

<PAGE>

Company shall pay the Employee during the period of his employment a minimum
base salary at the annualized rate of three hundred twenty-five thousand dollars
($325,000.00) (the "Base Salary"), payable in semi-monthly installments, in
accordance with the payroll practices generally adopted by the Company.

         The Company may also pay the Employee during the period of his
employment a yearly bonus of up to one hundred thousand dollars ($100,000.00)
(the "Discretionary Bonus"). Such Discretionary Bonus shall be paid on each
January 31 based upon satisfactory completion of goals that have been mutually
agreed to between the Employee and Board for the prior calendar year.

         The Company may also pay the Employee during the period of his
employment a yearly bonus based upon attainment of revenue for the prior
calendar year (the "Performance Bonus"). Such Performance Bonus shall be paid on
each January 31 for the prior calendar year. Such Performance Bonus shall be
based on the Board-approved annual revenue budget and shall be calculated as
follows:

        Annual Revenue Based on Annual Revenue Budget          Performance Bonus
        ---------------------------------------------          -----------------

               Less than 100% of annual revenue budget                  $0.00
                    From 100% to 100% plus    $500,000             $50,000.00
       From 100% plus $500,001 to 100% plus $1,000,000             $55,000.00
     From 100% plus $1,000,001 to 100% plus $1,500,000             $60,000.00
     From 100% plus $1,500,001 to 100% plus $2,000,000             $65,000.00
     From 100% plus $2,000,001 to 100% plus $2,500,000             $70,000.00
     From 100% plus $2,500,001 to 100% plus $3,000,000             $75,000.00
     From 100% plus $3,000,001 to 100% plus $3,500,000             $80,000.00
                        More than 100% plus $3,500,000             $85,000.00

         Base Salary, Discretionary Bonus and Performance Bonus may be subject
to upward adjustment as determined in the sole discretion of the Board.

         3.2   Employment Benefits. The Employee shall be entitled to
               -------------------
participate in all bonus and benefit programs that the Company establishes and
makes available to its employees (to the extent that the Employee's position,
tenure, salary, age, health and other qualifications make him eligible to
participate), including vacation benefits and reimbursement of expenses incurred
or paid by the Employee in connection with the performance of his duties under
this Agreement. Such participation in bonus and benefit programs shall be
subject to (i) the terms of the applicable plan documents; and (ii) generally
applicable Company policies. The Company may alter, modify, add to or delete its
employee benefit plans at any time as the Board, in its sole judgment,
determines to be appropriate.

         4.    Employment  Termination.  The employment of the Employee by the
               -----------------------
Company pursuant to this Agreement shall terminate at the election of either
party upon written notice of termination.

                                       -2-

<PAGE>

         5.    Effect of Termination.
               ---------------------

         5.1   Termination for Good Reason. In the event the Employee's
               ---------------------------
employment is terminated for good reason during the Term, (i.) the Company shall
pay to the Employee the compensation and benefits otherwise payable to him under
Section 3 through the Termination Date, and (ii.) the Employee will be eligible
for, and shall have the right to receive Discretionary and Performance Bonus
payments based on a pro-rata calculation from January 1 through the Termination
Date.

         As used in this Agreement, "good reason" shall mean: (i) termination at
any time by the Company without cause; (ii) termination of the Employee's
employment by death or because of disability; (iii) failure of the Company to
continue the Employee in his position as Chief Executive Officer, or a
significant diminution of his duties and responsibilities in that position, for
which a cure is not commenced and diligently pursued with two (2) weeks of
notice to the Company from the Employee; (iv) relocation of the Employee more
than seventy-five (75) miles from Marlborough, MA; or (v) failure by the Company
to perform any material term or condition of this Agreement for which a cure is
not commenced and diligently pursued within two (2) weeks of notice to the
Company from the Employee.

         As used in this Agreement, the term "Termination Date" shall be the
last day of the Employee's actual employment by the Company, and shall be the
date of the "qualifying event" under the Consolidated Omnibus Budget
Reconciliation Act of 1985 ("COBRA").

         In the event the Employee's employment is terminated under this Section
5.1 on or before December 31, 2001, the Company agrees to pay the Employee
severance pay in the form of salary continuation through the end of the Term at
the Employee's current base rate of pay. If the Company terminates the Employee
under this Section 5.1 after December 31, 2001 but before the end of the Term,
the Company agrees to pay the Employee severance pay in the form of salary
continuation for one year from the Termination Date at the Employee's current
base rate of pay. However, in the event the Employee's employment is terminated
under this Section 5.1 due to disability, then the severance pay shall be
reduced by disability payments made to the Employee from any insurance policy
that was paid for by the Company. The severance pay shall be subject to all
applicable state and federal taxes and will be paid to the Employee in
accordance with the Company's regular payroll practices.

         As used in this Agreement, the term "disability" shall mean the
inability of the Employee with reasonable accommodation as may be required by
State or Federal law, due to a physical or mental disability, for a period of
ninety (90) days, whether or not consecutive, during any 360-day period to
perform the services contemplated under this Agreement. A determination of
disability shall be made by a physician satisfactory to both the Employee and
the Company, provided that if the Employee and the Company do not agree on a
physician, the Employee and the Company shall each select a physician and these
two together shall select a third physician, whose determination as to
disability shall be binding on all parties. If the Employee's employment is
terminated by death or because of disability, the Company shall pay to the
estate of the Employee or to the Employee, as the case may be, the compensation
which would otherwise be payable to the Employee.

                                       -3-

<PAGE>

         If, before an Acquisition Event or a Change in Control Event, the
Company terminates the Employee under this Section 5.1 on or before December 31,
2001, the Company agrees (i.) to accelerate the vesting of all of the Employee's
stock options and (ii.) to reduce its purchase option of the Employee's
restricted stock, to the level that such vesting and purchase option would have
been equal to at the end of the Term. If, before an Acquisition Event or a
Change in Control Event, the Company terminates the Employee under this Section
5.1 after December 31, 2001 but before the end of the Term, the Company agrees
(i.) to accelerate the vesting of all of the Employee's stock options and (ii.)
to reduce its purchase option of the Employee's restricted stock, to the level
that such vesting and purchase option would have been equal to one year after
the Termination Date.

         If, after an Acquisition Event or a Change in Control Event, the
Company terminates the Employee under this Section 5.1 during the Term, the
vesting of the Employee's stock options and the Company's purchase option of the
Employee's restricted stock shall be governed by the Stock Option and Restricted
Stock Agreements between the Company and the Employee.

         As used in this Agreement, the terms "Acquisition Event" and "Change in
Control Event" shall be defined as in Section 8(c) of the Company's 1998 Stock
Incentive Plan.

         If the Company terminates the Employee under this Section 5.1 during
the Term, the Company's obligation to make the severance payments, to accelerate
the vesting of the Employee's stock options and to reduce its purchase option of
the Employee's restricted stock shall be conditioned upon the Employee signing a
release of claims against the Company (except for claims for obligations of the
Company hereunder to be performed after the date of such release) in customary
form.

         If the Employee elects to continue health insurance coverage under
COBRA after the Termination Date, the Company shall pay the Employee's monthly
premium payments through the period of time the Employee is eligible to receive
salary continuation, as set forth above. Thereafter, the Employee will be
responsible for any and all payments for the elected period of health insurance
coverage.

         5.2   Termination for Cause. In the event the Employee's employment is
               ---------------------
terminated during the Term for cause, the Company shall pay to the Employee only
the compensation, stock and benefits otherwise payable to him under Section 3
through the Termination Date. Cause for termination for purposes of this Section
5.2 shall be deemed to exist upon (a) a good faith finding by the Company of a
willful failure of the Employee to perform his duties specified herein or
assigned pursuant to Section 2 above; (b) the Employee's commission of
dishonesty, gross negligence or misconduct, whether in connection with the
Employee's responsibilities in his position with the Company or otherwise
(including, without limitation, breach by the Employee of any provision of any
employment, consulting, advisory, nondisclosure, non-competition or other
similar agreement between the Employee and the Company as determined by the
Company, which determination shall be conclusive) or (c) the conviction of the
Employee of, or the entry of a pleading of guilty or nolo contendere by the
Employee to, any crime involving moral turpitude or any felony. The Employee
shall be considered to have been discharged for "cause" if the Company
determines, within 30 days after the Employee's resignation or termination, that

                                       -4-

<PAGE>

discharge for cause was warranted.

         6.    Non-Compete.
               -----------

         (a)   The Employee acknowledges that he is a substantial shareholder of
Be Free.

         (b)   During the Employee's employment and for a period of two (2)
years after the termination or expiration thereof (the "Non-Competition
Period"), the Employee will not, directly or indirectly:

                  (i)   as an individual proprietor, partner, stockholder,
         officer, employee, director, joint venturer, investor, lender, or in
         any other capacity whatsoever (other than as the holder of not more
         than one percent (1%) of the total outstanding stock of a publicly held
         company), engage in the business of developing, producing, marketing or
         selling products of the kind or type developed or being developed,
         produced, marketed or sold by the Company while the Employee was
         employed by the Company; or

                  (ii)  recruit, solicit or induce, or attempt to induce, any
         employee or employees of the Company to terminate their employment
         with, or otherwise cease their relationship with, the Company; or

                  (iii) solicit, divert, with the intention to take away, or
         attempt to divert with the intention to take away, the business or
         patronage of any of the clients, customers or accounts, or prospective
         clients, customers or accounts, of the Company which were contacted,
         solicited or served by the Employee while employed by the Company.

         (c)   If any restriction set forth in this Section 6 is found by any
court of competent jurisdiction to be unenforceable because it extends for too
long a period of time or over too great a range of activities or in too broad a
geographic area, it shall be interpreted to extend only over the maximum period
of time, range of activities or geographic area as to which it may be
enforceable.

         (d)   The restrictions contained in this Section 6 are necessary for
the protection of the business and goodwill of the Company and are considered by
the Employee to be reasonable for such purpose. The Employee agrees that any
breach of this Section 6 will cause the Company substantial and irrevocable
damage and therefore, in the event of any such breach, in addition to such other
remedies which may be available, the Company shall have the right to seek
specific performance and injunctive relief.

         (e)   The provisions of this Section 6 shall survive the termination of
this Agreement.

         7.    Proprietary Information and Developments.
               ----------------------------------------

         7.1   Proprietary Information.
               -----------------------

                                       -5-

<PAGE>

         (a)   Employee agrees that all information and know-how, whether or not
in writing, of a private, secret or confidential nature concerning the Company's
business or financial affairs (collectively, "Proprietary Information") is and
shall be the exclusive property of the Company. By way of illustration, but not
limitation, Proprietary Information may include inventions, products, processes,
methods, techniques, formulas, compositions, compounds, projects, developments,
plans, research data, clinical data, financial data, personnel data, computer
programs, and customer and supplier lists. Employee will not disclose any
Proprietary Information to others outside the Company or use the same for any
unauthorized purposes without written approval by an officer of the Company,
either during or after his employment, unless and until such Proprietary
Information has become public knowledge without fault by the Employee.

         (b)   Employee agrees that all files, letters, memoranda, reports,
records, data, sketches, drawings, laboratory notebooks, program listings, or
other written, photographic, or other tangible material containing Proprietary
Information, whether created by the Employee or others, which shall come into
his custody or possession, shall be and are the exclusive property of the
Company to be used by the Employee only in the performance of his duties for the
Company.

         (c)   Employee agrees that his obligation not to disclose or use
information, know-how and records of the types set forth in paragraphs (a) and
(b) above, also extends to such types of information, know-how, records and
tangible property of customers of the Company or suppliers to the Company or
other third parties who may have disclosed or entrusted the same to the Company
or to the Employee in the course of the Company's business.

         7.2   Developments.
               ------------

         (a)   Employee will make full and prompt disclosure to the Company of
all inventions, improvements, discoveries, methods, developments, software, and
works of authorship, whether patentable or not, which are created, made,
conceived or reduced to practice by the Employee or under his direction or
jointly with others during his employment by the Company, whether or not during
normal working hours or on the premises of the Company (all of which are
collectively referred to in this Agreement as "Developments").

         (b)   Employee agrees to assign and does hereby assign to the Company
(or any person or entity designated by the Company) all his right, title and
interest in and to all Developments and all related patents, patent
applications, copyrights and copyright applications developed during his
employment with the Company. However, this Section 7(b) shall not apply to
Developments which do not relate to the present or planned business or research
and development of the Company and which are made and conceived by the Employee
not during normal working hours, not on the Company's premises and not using the
Company's tools, devices, equipment or Proprietary Information.

         (c)   Employee agrees to cooperate fully with the Company, both during
and after his employment with the Company, with respect to the procurement,
maintenance and enforcement of copyrights and patents (both in the United States
and foreign countries) relating to Developments. Employee shall sign all papers,
including, without limitation, copyright applications, patent applications,
declarations, oaths, formal assignments, assignment of priority

                                       -6-

<PAGE>

rights, and powers of attorney, which the Company may deem necessary or
desirable in order to protect its rights and interests in any Development.

         7.3   Other Agreements. Employee hereby represents that he is not bound
               ----------------
by the terms of any agreement with any previous employer or other party to
refrain from using or disclosing any trade secret or confidential or proprietary
information in the course of his employment with the Company or to refrain from
competing, directly or indirectly, with the business of such previous employer
or any other party. Employee further represents that his performance of all the
terms of this Agreement and as an employee of the Company does not and will not
breach any agreement to keep in confidence proprietary information, knowledge or
data acquired by him in confidence or in trust prior to his employment with the
Company.

         7.4   The provisions of this Section 7 shall survive the termination of
this Agreement.

         8.    Notices. All notices required or permitted under this Agreement
               -------
shall be in writing and shall be deemed effective upon personal delivery or upon
deposit in the United States Post Office, by registered or certified mail,
postage prepaid, addressed to the other party at the address shown above, or at
such other address or addresses as either party shall designate to the other in
accordance with this Section 8.

         9.    Pronouns.  Whenever the context may require, any pronouns used in
               --------
this Agreement shall include the corresponding masculine, feminine or neuter
forms, and the singular forms of nouns and pronouns shall include the plural,
and vice versa.

         10.   Entire  Agreement.  This Agreement constitutes theentire
               -----------------
agreement between the parties and supersedes all prior agreements and
understandings, with the exception of the Assignment of Inventions agreement
between the parties whether written or oral, relating to the subject matter of
this Agreement.

         11.   Severability. Any term or provision of this Agreement that is
               ------------
invalid or unenforceable in any situation in any jurisdiction shall not affect
the validity or enforceability of the remaining terms and provisions hereof or
the validity or enforceability of the offending term or provision in any other
situation or in any other jurisdiction. If the final judgment of a court of
competent jurisdiction declares that any term or provision hereof is invalid or
unenforceable, the Parties agree that the court making the determination of
invalidity or unenforceability shall have the power to limit the term or
provision, to delete specific words or phrases, or to replace any invalid or
unenforceable term or provision with a term or provision that is valid and
enforceable and that comes closest to expressing the intention of the invalid or
unenforceable term or provision, and this Agreement shall be enforceable as so
modified.

         12.   Amendment.  This Agreement may be amended or modified only by a
               ---------
written instrument executed by both the Company and the Employee.

                                       -7-

<PAGE>

         13.   Governing Law. This Agreement shall be governed by and construed
               -------------
in accordance with the internal laws of the Commonwealth of Massachusetts
without giving effect to any choice or conflict of law provision or rule
(whether of the Commonwealth of Massachusetts or any other jurisdiction) that
would cause the application of laws of any jurisdictions other than those of the
Commonwealth of Massachusetts.

         14.   Successors and Assigns. This Agreement shall be binding upon and
               ----------------------
inure to the benefit of both parties and their respective successors and
assigns, including any corporation with which or into which the Company may be
merged or which may succeed to its assets or business, provided, however, that
the obligations of the Employee are personal and shall not be assigned by him.

         15.   Miscellaneous.
               -------------

         15.1  No Waiver. No delay or omission by the Company in exercising any
               ---------
right under this Agreement shall operate as a waiver of that or any other right.
A waiver or consent given by the Company on any one occasion shall be effective
only in that instance and shall not be construed as a bar or waiver of any right
on any other occasion.

         15.2  Counterparts; Facsimile Signature. This Agreement may be executed
               ---------------------------------
in two or more counterparts, each of which shall be deemed an original but all
of which together shall constitute one and the same instrument. This Agreement
may be executed by facsimile signature.

         15.3  Terms; Definitions.  Unless otherwise defined in this Agreement,
               ------------------
all capitalized terms used herein are defined in the Merger Agreement.

         15.4  Headings. The section headings contained in this Agreement are
               --------
used for convenience only and shall not affect in any way the meaning or
interpretation of this Agreement.

         15.5  Construction. The language used in this Agreement shall be deemed
               ------------
to be the language chosen by the Parties to express their mutual intent, and no
rule of strict construction shall be applied against any Party.

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the day and year set forth above.

BE FREE, INC.                               Gordon B. Hoffstein

By: /s/ Ted R. Dintersmith             /s/ Gordon B. Hoffstein
   ------------------------------     ----------------------------------
       Ted Dintersmith                      Gordon B. Hoffstein
       Director

                                       -8-

<PAGE>

By:    /s/ W. Michael Humphreys
       --------------------------------
       Mike Humphreys
       Director

                                       -9-<PAGE>

                                                                 Exhibit 10.7.3

                                 AMENDMENT NO. 2

                                       TO

                ADMINISTRATIVE AND INVESTMENT SERVICES AGREEMENT

                            (As Amended and Restated)

           THIS AMENDMENT NO. 2 TO THE ADMINISTRATIVE AND INVESTMENT SERVICES
AGREEMENT between STATE STREET BANK AND TRUST COMPANY ("`State Street") and the
AMERICAN BAR RETIREMENT ASSOCIATION ("ABRA") is effective as of the 2nd day of
July, 2001.

                              W I T N E S S E T H:

           WHEREAS, State Street and ABRA have heretofore entered into an
Administrative and Investment Services Agreement dated November 9, 1998 (the
"Agreement");

           WHEREAS, the parties desire to amend the Agreement to provide for the
inclusion in the Program of investment allocation advice to Program
Participants.

           WHEREAS, Section 16.07 of the Agreement permits the Agreement to be
amended by a written instrument executed by ABRA and State Street.

           NOW, THEREFORE, in consideration of the mutual covenants,
representations, warranties and undertakings, and subject to the terms and
conditions, hereinafter set forth, the parties hereto agree as follows:

           1. All capitalized terms used but not defined herein shall have the
respective meanings assigned to such terms by the Agreement.

           2. The definition of "Investment Advisor" contained in Section 1.29
of AISA is amended to read as follows:

           "1.29 Investment Advisor" means any person or entity (other than
           State Street) engaged by State Street pursuant to Section 2.02 to
           make recommendations (i) to State Street regarding the acquisition or
           disposition of assets held in a Fund, or (ii) to Participants
           regarding the allocations of the assets held on their behalf under
           the Trusts among the Funds."

           3. Section 2.02 of AISA is amended to read as follows:

           "2.02 Investment Advisors. State Street may engage one or more
           Investment Advisors only in accordance with the following procedures
           and subject to the provisions of Sections 2.04, 2.05, 2.06 and 2.08:

<PAGE>

           (a) With respect to Investment Advisors described in clause (i) of
           Section 1.29, subject to Section 4.02:

                      (i) Each Investment Advisor, if any, shall be identified
           in the appropriate Fund Declaration or attachment thereto;

                      (ii) State Street shall enter into an Investment Advisor
           Agreement with each such Investment Advisor, which Investment Advisor
           Agreement shall include, among other things (A) representations that
           the Investment Advisor is registered or exempt under, or excluded
           from, the Investment Advisors Act of 1940, as amended, and is in the
           business of acting as a fiduciary with respect to assets of various
           retirement plans and trusts and (B) an acknowledgment in writing that
           the Investment Advisor is a fiduciary as defined in ERISA with
           respect to the applicable assets of the Plans and the Trusts, and
           each such agreement may include supplemental guidelines governing the
           Investment Advisor's activities;

                      (iii) If more than one such Investment Advisor is engaged
           to advise State Street with respect to a single Fund, each applicable
           Investment Advisor Agreement shall designate the portion of the
           assets of, contributions and transfers to, and withdrawals and
           transfers from such Fund to be allocated to each Investment Advisor;
           and

                      (iv) Such an Investment Advisor shall not be permitted to
           take any action with respect to any Fund that, in the reasonable
           opinion of State Street, would cause the Fund to cease to qualify as
           a fund maintained by a bank within the meaning of (A) Section
           3(c)(11) of the Investment Company Act of 1940, as amended, and
           successor provision thereto, and (B) Section 3(a)(2) of the
           Securities Act of 1933, as amended, and any successor provision
           thereto."

                      (b) With respect to Investment Advisors described in
           clause (ii) of Section 1.29, State Street shall enter into an
           agreement with any such Investment Advisor, which agreement shall
           include, among other things, that the Investment Advisor is an
           "investment manager" as defined in section 3(37) of ERISA and is in
           the business of acting as a fiduciary providing investment allocation
           advice to

                                       2

<PAGE>

           participants in various retirement plans and trusts and shall
           otherwise be in a form approved by ABRA, which approval shall not be
           unreasonably withheld."

           4. The last sentence of Section 2.04 is amended to read as follows:

           "State Street shall give full consideration, and in the case of an
           Investment Advisor described in clause (ii) of Section 1.29, due
           deference, to each Investment Advisor Recommendation of ABRA and
           shall respond to ABRA, no later than thirty (30) days after the date
           of State Street's receipt to such Investment Advisor Recommendation,
           as to whether, in what manner, and on what time frame such
           appointment or reallocation will be effected and the reasons for such
           response."

           5. The second sentence of Section 2.05 is amended to read as follows:

           "State Street shall give full consideration, and in the case of an
           Investment Advisor described in clause (ii) of Section 1.29, due
           deference, to each Investment Advisor Removal Recommendation of ABRA
           and shall respond to ABRA, no later than thirty (30) days after the
           date of State Street's receipt to such Investment Advisor
           Recommendation, as to whether, in what manner, and on what time frame
           such action will be taken with respect to such Investment Advisor and
           the reasons therefor."

           6. The changes made by this Amendment No. 2 shall be effective for
           the period beginning on July 2, 2001 and shall terminate upon the
           termination of any Investment Advisor described in clause (ii) of
           Section 1.29.

                                       3

<PAGE>

           IN WITNESS WHEREOF, this instrument has been signed on behalf of each
of the parties hereto on this 2nd day of July 2001.

                                       STATE STREET BANK
                                       AND TRUST COMPANY

                                       By: /s/ Beth Halberstadt
                                           ---------------------------------

                                       Title: Vice-President
                                              ------------------------------

                                       AMERICAN BAR RETIREMENT ASSOCIATION

                                       By:
                                           ---------------------------------
                                              President

                                       4

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