Document:

EXHIBIT 10.4

                                 SCHEDULE TO THE
                              ISDA MASTER AGREEMENT
                       DATED AS OF MARCH 8, 2001, BETWEEN

                                  SUNTRUST BANK
                                   ("PARTY A")

                                       AND

                      POST, BUCKLEY, SCHUH & JERNIGAN, INC.
                                   ("PARTY B")

                                     Part 1
                                   Definitions

1.       "Affiliate" shall have the meaning assigned to such term in Section 14
         of this Agreement.

2.       "Calculation Agent" shall mean Party A.

3.       "Shareholders' Equity" means with respect to any entity, at any time,
         the sum (as shown in the most recent annual audited financial
         statements of such entity) of (i) its capital stock (including
         preferred stock) outstanding, taken at par value, (ii) its capital
         surplus and (iii) its retained earnings, minus (iv) treasury stock,
         each to be determined in accordance with generally accepted accounting
         principles.

4.       "Specified Entity" shall mean for the purposes of Sections 5(a)(v),
         (vi), and (vii), and Section 5(b)(iv) of this Agreement, in the case of
         Party A, not applicable, and in the case of Party B, not applicable.

5.       "Specified Indebtedness" shall, with respect to Party A, have the
         meaning assigned to such term in Section 14 of this Agreement, but
         shall not include indebtedness in respect of deposits received; and
         with respect to Party B, shall mean the Loan Agreement as specified in
         the relevant Confirmation of each such transaction.

6.       "Specified Transaction" shall have the meaning assigned to such term in
         Section 14 of this Agreement.

7.       "Termination Currency" shall mean United States Dollars.

8.       "Threshold Amount" shall mean, for purposes of Section 5(a)(vi) of this
         Agreement, (a) with respect to Party A, an amount equal to three
         percent (3%) of its Shareholders' Equity, determined in accordance with
         generally accepted accounting principles in such party's jurisdiction
         of incorporation or organization, consistently applied, as at the end
         of such party's most recently completed fiscal year, and (b) with
         respect to Party B, $0.00.

                                     Part 2
                                 Representations

1.       Tax Representations. None.

2.       The following paragraph is added as Section 3(g) of this Agreement:

                                       1
<PAGE>

         "(g) Eligible Swap Participant. It is an "eligible swap participant"
         within the meaning of 17 C.F.R. sec. 35.1(b)(2)."

                                     Part 3
                                   Agreements

1.       Documents to be delivered. For purposes of Section 4(a) of this
         Agreement, each party agrees to deliver the following documents as
         applicable:

         (a)      Certified copies of all documents evidencing necessary
                  corporate authorizations, as well as other authorizations and
                  approvals with respect to the execution, delivery and
                  performance by the party of this Agreement and any Credit
                  Support Document.

                  Party required to deliver:              Party B

                  Date by which to be delivered:          Upon execution of this
                                                          Agreement

                  Covered by Section 3(d) Representation: Yes

         (b)      An incumbency certificate of an authorized officer of the
                  party certifying the names, true signatures and authority of
                  the officers of the party signing this Agreement and any
                  Credit Support Document.

                  Party required to deliver:              Party B

                  Date by which to be delivered:          Upon execution of this
                                                          Agreement

                  Covered by Section 3(d) Representation: Yes

         (c)      Such other document as the other party may reasonably request
                  In connection with each Transaction.

                  Party required to deliver:              Party B

                  Date by which to be delivered:          Promptly upon request

                  Covered by Section 3(d) Representation: Yes

         (d)      Such other written information respecting the condition or
                  operations, financial or otherwise, of Party B as Party A may
                  reasonably request from time to time.

                  Party required to deliver:              Party B

                  Date by which to be delivered:          Promptly upon request

                  Covered by Section 3(d) Representation: Yes

                                       2
<PAGE>

                                     Part 4
                             Termination Provisions

1.       Cross Default. The "Cross Default" provisions of Section 5(a)(vi) of
         this Agreement shall apply to each of Party A and Party B.

2.       Credit Event Upon Merger. The "Credit Event Upon Merger" provisions of
         Section 5(b)(iv) of this Agreement shall apply to each of Party A and
         Party B.

3.       Automatic Early Termination. The "Automatic Early Termination"
         provision of Section 6(a) of this Agreement shall not apply to either
         Party A or Party B.

4.       Payments on Early Termination. For purposes of Section 6(e) of this
         Agreement, Second Method and Loss shall apply.

5.       Additional Termination Event shall not apply. Notwithstanding the
         foregoing, with respect to Party B, if the indebtedness under the Loan
         Agreement, as defined in the Confirmation, is (for whatever reason, in
         whatever manner) partially or fully paid or discharged. Party A shall
         have the right but, not the obligation to terminate partially, or in
         full, any Transaction identifying such Loan Agreement within its
         Confirmation, and will be entitled to receive or will be required to
         pay from or to Party B the fair market value for such termination, as
         determined by Party A in good faith and in accordance with market
         practice and its own customary procedures.

6.       Incorporation by Reference of Terms of Loan Agreement. The covenants,
         terms and provisions of, including all representations and warranties
         of Party B contained in, the Loan Agreement, as in effect from time to
         time, are hereby incorporated by reference in, and made part of, this
         Agreement to the same extent as if such covenants, terms, and
         provisions were set forth in full herein. Party B hereby agrees that,
         during the period commencing with the date of this Agreement through
         and including such date on which all of Party B's obligations under
         this Agreement are fully performed, Party B shall observe, perform, and
         fulfill each and every such covenant, term, and provision applicable to
         Party B, as such covenants, terms, and provisions, may be amended from
         time to time after the date of this Agreement. In the event the Loan
         Agreement terminates or becomes no longer binding on Party B prior to
         the termination of this Agreement, such covenants, terms, and
         provisions (other than those requiring payments in respect of amounts
         owed under the Loan Agreement) shall remain in force and effect for
         purposes of this Agreement as though set forth in full herein until the
         date on which all of Party B's obligations under this Agreement are
         fully performed, and this Agreement is terminated.

                                     Part 5
                                  Miscellaneous

1.       Notices. For purposes of Section 12 of this Agreement:

         (a)      The address for notice or communication to Party A is:

                  SunTrust Equitable Securities Corporation
                  Financial Risk Management, Operations
                  303 Peachtree Street, N.E.
                  23rd Floor, Center Code 3913
                  Atlanta, GA 30308
                  404-575-2696 (phone)
                  404-532-0514 (fax)

                                       3
<PAGE>

         (b)      The address for notice or communication to Party B is:

                  Mr. Richard A. Wickett, C.P.A.
                  Senior Executive Vice President
                  & Chief Financial Officer
                  Post, Buckley, Schuh & Jernigan, Inc.
                  2001 N.W. 107th Avenue
                  Miami, FL 33172-2507
                  305-592-7275, x230 (phone)
                  305-599-3808 (fax)

2.       Governing Law. Section 13(a) of this Agreement is hereby restated as
         follows:

                  "(a) Governing Law. This Agreement will be governed by and
                  construed in accordance with the laws of the State of New York
                  without reference to choice of law doctrine."

3.       Jurisdiction. Section 13(b)(i) of this Agreement is hereby restated as
         follows.

                  "(i) submits to the nonexclusive Jurisdiction of the courts of
                  the State of Georgia and the United States District Court
                  located in Atlanta, Georgia; and"

4.       Process Agent. Process Agent shall not apply to this Agreement.

5.       Offices. The provisions of Section 10(a) of this Agreement shall not
         apply to either party.

6.       Multibranch Party. For purposes of Section 10(c) of this Agreement,
         neither Party A nor Party B is a Multibranch Party.

7.       Credit Support Provider.

         Credit Support Provider means in relation to Party A: Not applicable.
         Credit Support Provider means in relation to Party B: The party, as of
         any particular time and as may be acceptable to Party A, whose
         undertakings or assets under the Credit Support Document secure the
         timely performance of Party B's obligations under this Agreement.

8.       Credit Support Document.

         Credit Support Document means in relation to Party A: Not applicable.
         Credit Support Document means in relation to Party B: Any guaranty,
         letter of credit, credit agreement, security agreement, mortgage, deed
         of trust, pledge agreement, assignment agreement, investment agreement,
         surety bond, or other credit enhancement device, or any combination
         thereof issued as security for the timely performance of Party B's
         obligations under this Agreement, as may be acceptable to Party A,
         including, without limitation, any amendments, supplements,
         restatements, or other modifications, or any substitutions or
         replacements thereto in form and substance satisfactory to Party A.

                                     Part 6
                              Additional Agreements

1.       Recording of Conversations. Each party (i) consents to the monitoring
         or recording, at any time and from time to time, by the other party of
         any and all communications between officers or employees

                                       4
<PAGE>

         of the parties, (ii) waives any further notice of such monitoring or
         recording, and (iii) agrees to notify (and, if required by law, obtain
         the consent of) its officers and employees with respect to such
         monitoring or recording.

2.       Jury Trial. Each party hereby waives, to the fullest extent lawful, its
         respective right to jury trial with respect to any legal proceeding
         arising under, or in connection with, this Agreement or any
         Confirmation.

3.       Mediation and Arbitration. Notwithstanding anything to the contrary
         contained herein, the parties agree to submit to mediation and, should
         settlement through mediation not occur, to arbitration any and all
         claims, disputes, and controversies between them (and their respective
         employees, officers, directors, affiliates, attorneys, and other
         agents) resulting from or arising out of this Agreement. Such mediation
         and arbitration shall proceed in the jurisdiction where Party A is
         located, shall be governed by the law specified in this Agreement, and
         shall be conducted (a) in accordance with such rules as may be agreed
         upon by the parties or (b) in the event the parties do not reach an
         agreement as to such rules within thirty (30) days after a notice of
         dispute, in accordance with the Commercial Mediation Rules and
         Commercial Arbitration Rules of the American Arbitration Association.
         If, within thirty (30) days after service of a written demand for
         mediation, the mediation does not result in settlement of the dispute,
         then any party may demand arbitration, and the decision of the
         arbitrator(s) shall be binding on the parties. Judgment upon the award
         rendered by the arbitrator(s) may be entered in any court having
         jurisdiction. It is agreed that the arbitrators shall have no authority
         to award treble, exemplary, or punitive damages of any type under any
         circumstances, whether or not such damages may be available under state
         or federal law, or under the Federal Arbitration Act, or under the
         Commercial Arbitration Rules of the American Arbitration Association,
         the parties hereby waiving their right, if any, to recover any such
         damages.

4.       By signing this Schedule, Party B acknowledges that it has received and
         understands the SunTrust Bank "Terms of Dealing for OTC Risk Management
         Transactions" and the "Risk Disclosure Statement for OTC Risk
         Management Transactions" (each attached hereto and incorporated by
         reference into this Agreement).

Please confirm your agreement to the terms of the foregoing Schedule by signing
below.

SUNTRUST BANK                              POST, BUCKLEY, SCHUH & JERNIGAN, INC.

By: /s/ Fred D. Woolf                      By: /s/ Richard A. Wickett
   ----------------------------------         ----------------------------------
Name: Fred D. Woolf                        Name: Richard A. Wickett
Title: Vice-President                      Title: Sr. Executive Vice President

                                       5
<PAGE>

                           SUNTRUST BANK ("SUNTRUST")
              TERMS OF DEALING FOR OTC RISK MANAGEMENT TRANSACTIONS

In connection with the negotiation, entry into, and performance from time to
time of over-the-counter ("OTC") risk management transactions, please be advised
that:

SunTrust acts as principal only and does not act as advisor, agent, broker, or
fiduciary for or with respect to any counterparty (unless otherwise expressly
agreed in a written engagement letter).

SunTrust expects that its counterparties have the authority and capacity to
enter into and perform their obligations under their OTC risk management
transactions with SunTrust, and SunTrust relies on the express and implied
representations of its counterparties with respect thereto.

SunTrust expects that its counterparties possess adequate knowledge and
experience to assess independently, or with the assistance of their own
advisors, the merits and risks of each OTC risk management transaction that the
counterparty may from time to time enter into, amend, or terminate.

SunTrust endeavors to maintain the confidentiality of all confidential
counterparty information and expects its counterparties to do the same. Unless a
counterparty gives SunTrust written notice to the contrary, each counterparty
authorizes SunTrust and all SunTrust affiliates, including SunTrust Equitable
Securities Corporation (STES), to share with each other confidential information
concerning a counterparty and/or its accounts for marketing or other purposes
from time to time. Any trade ideas, term sheets, and other similar documents
sent to counterparties by SunTrust are not to be shared with others.

SunTrust may pay fees, commissions, and other amounts to agents, brokers, and/or
other third parties in connection with OTC risk management transactions entered
into with counterparties. SunTrust considers the amount of such fees,
commissions, and other amounts to be confidential and does not disclose the same
to its counterparties.

SunTrust may from time to time receive orders for similar or identical
transactions, and SunTrust makes no representation with respect to execution
priorities.

STES's Authorized Officers have the authority to bind SunTrust in connection
with OTC risk management transactions. A current list of Authorized Officers may
be obtained from STES upon request.

OTC risk management obligations of SunTrust are not FDIC insured.

                                       6
<PAGE>

                           SUNTRUST BANK ("SUNTRUST")
         RISK DISCLOSURE STATEMENT FOR OTC RISK MANAGEMENT TRANSACTIONS

Over-the-counter ("OTC") risk management transactions, like other financial
transactions, involve a variety of significant potential risks. OTC risk
management transactions generally include options, forwards, swaps, swaptions,
caps, floors, collars, combination and variations of such instruments, and other
executory contractual arrangements, and may involve interest rates, currencies,
securities, commodities, equities, credit, indices, and other underlying
interests.

Before entering into any OTC risk management transaction, you should carefully
consider whether the transaction is appropriate for you in light of your
experience, objectives, financial and operational resources, and other relevant
circumstances. You should also ensure that you fully understand the nature of
the transaction and contractual relationship into which you are entering and the
nature and extent of your exposure to risk of loss, which may significantly
exceed the amount of any initial payment or investment by you.

The specific risks presented by a particular OTC risk management transaction
necessarily depend upon the character of the specific transaction and your
circumstances. In general, however, all OTC risk management transactions involve
the risk of adverse or unanticipated market developments, risk of illiquidity
and credit risk, and may involve other material risks. Equity risk management
transactions may increase or decrease in value with a change in, among other
things, stock prices and interest rates which could result in unlimited loss. In
addition, you may be subject to internal operational risks in the event that
appropriate internal systems and controls are not in place to monitor the
various risks and funding requirements to which you are subject by virtue of
your activities in the OTC risk management and related markets. OTC risk
management transactions frequently are tailored to permit parties to customize
transactions to accomplish complex financial and risk management objectives.
Such customization can also introduce significant risk factors of a complex
character.

As in any financial transaction, you must understand the requirements (including
investment restrictions), if any, applicable to you that are established by your
regulators or by your Board of Directors or other governing body. You should
also consider the tax and accounting implications of entering into any risk
management or other transaction. To the extent appropriate in light of the
specific transaction and your circumstances, you should consider consulting such
advisers as may be appropriate to assist you in understanding the risks
involved. If you are acting in the capacity of financial adviser or agent, you
must evaluate the foregoing matters in light of the circumstances applicable to
your principal.

In entering into any OTC risk management transaction, you should also take into
consideration that, unless you and SunTrust have established in writing an
express financial advisory or other fiduciary relationship or you and SunTrust
have expressly agreed in writing that you will be relying on SunTrust's
recommendations as the primary basis for making your trading or investment
decisions, SunTrust is acting solely in the capacity of an arm's-length
contractual counterparty and not in the capacity of your financial advisor or
fiduciary. In addition, SunTrust or its affiliates may from time to time have
substantial long or short positions in and may make a market in or otherwise buy
or sell instruments identical or economically related to the OTC risk management
transaction entered into with you or may have an investment banking or other
commercial relationship with the issuer of any security or financial instrument
underlying an OTC risk management transaction entered into with you.

THIS BRIEF STATEMENT DOES NOT DISCLOSE ALL OF THE RISKS AND OTHER SIGNIFICANT
ASPECTS OF ENTERING INTO OTC RISK MANAGEMENT TRANSACTIONS. YOU SHOULD REFRAIN
FROM ENTERING INTO ANY SUCH TRANSACTION UNLESS YOU FULLY UNDERSTAND ALL SUCH
RISK AND HAVE INDEPENDENTLY DETERMINED THAT THE TRANSACTION IS APPROPRIATE FOR
YOU.

                                       7EXHIBIT 10.5

SunTrust Equitable Securities Corporation
303 Peachtee Street, N.E., 23rd Floor, Center Code 3913
Atlanta, Georgia 30308
Member NASD and SIPC
--------------------------------------------------------------------------------

SUNTRUST
    EQUITABLE
    SECURITIES
                                                                   March 9, 2001

                    Confirmation of Interest Rate Transaction

                THISLETTER AGREEMENT SHOULD BE REVIEWED, EXECUTED
                    BY AN AUTHORIZED PERSON(S), AND RETURNED
                      IMMEDIATELY VIA VAX TO 404-532-0514.
        (Please direct any questions to Ken Kuykendall at 404-532-0303.)

Richard A. Wickett, CPA
Sr. Executive Vice President CFO
Post, Buckley, Schuh & Jernigan, Inc.
2001 Northwest 107th Ave.
Miami, FL 33172-2507

Ph#:     305-592-7275
Fax#:    305-599-3808

REF:     12453

Dear Mr. Wicket,

         The purpose of this letter agreement is to set forth the terms and
conditions of the Rate Transaction entered into between Post, Buckley, Schuh &
Jernigan, Inc. ("Counterparty" or "you" and SunTrust Bank ("SunTrust" or "us" on
the Trade Date specified below (the "Transaction"). SunTrust Equitable
Securities Corporation acts as agent on behalf of SunTrust with respect to this
Transaction. This letter agreement constitutes a "Confirmation" as referred to
in the ISDA Master Agreement to be entered into by the parties hereto.

         The definitions and provisions contained in the 1991 ISDA Definitions
published by the International Swap and Derivatives Association, Inc. ("ISDA"),
as amended and supplemented by the 1998 Supplement to the 1991 ISDA Definitions
(the "Definitions"), are incorporated by reference into this Confirmation. In
the event of any inconsistency between the Definitions and this Confirmation,
this Confirmation shall govern.

         This Confirmation supplements, forms a part of, and is subject to the
ISDA Master Agreement, as amended and supplemented from time to time (the "Swap
Agreement"), between you and us. All provisions contained or incorporated by
reference in the Swap Agreement shall govern this Confirmation except as
expressly modified below. Prior to the execution and delivery of such Swap
Agreement, this Confirmation alone shall constitute a complete and binding
agreement with respect to the Transaction.

         Each party is hereby advised and each such party acknowledges, that the
other party has engaged in (or refrained from engaging in) substantial financial
transactions and has taken other material actions in reliance upon the parties'
entry in the Transaction to which this Confirmation relates on the terms and
conditions set forth below.

         This Confirmation shall be governed by and construed in accordance with
the laws of the State of New York without reference to choice of law doctrine.

<PAGE>

                                                                          Page 2

1.       The terms of the particular Transaction to which this Confirmation
         relates are as follows:

<TABLE>
         <S>                                                           <C>
         Type of Transaction:                                          Swap Transaction

         Notional Amount:                                              $9,000,000.00 amortizing (see attached
                                                                       Schedule A)

         Trade Date:                                                   March 8, 2001

         Effective Date:                                               March 16, 2001

         Termination Date:                                             March 16, 2006, with adjustment in
                                                                       accordance with the Modified Following
                                                                       Business Day Convention
         Fixed Amounts:

               Fixed Rate Payer:                                       Counterparty

               Fixed Rate Payer Payment Dates:                         The 16th day of each month, beginning
                                                                       April 16, 2001, through and including the
                                                                       Termination Date, subject to adjustment in
                                                                       accordance with the Modified Following
                                                                       Business Day Convention

               Fixed Rate:                                             6.28 % per annum

               Fixed Rate Day Count Fraction:                          Actual/360

               Adjustment to Period End Dates:                         Applicable

         Floating Amounts:

               Floating Rate Payer:                                    SunTrust

               Floating Pate Payer Payment Dates:                      The 16th day of each month, beginning
                                                                       April 16, 2001, through and including
                                                                       the Termination Date, subject to adjustment
                                                                       in accordance with the Modified Following
                                                                       Business Day Convention

               Floating Rate for initial Calculation Period:           To be determined

               Floating Rate Day Count Fraction:                       Actual/360

               Designated Maturity:                                    One mouth

               Floating Rate Option:                                   USD-LIBOR-BBA

               Spread:                                                 Inapplicable

               Adjustment to Period End Dates:                         Applicable
</TABLE>

<PAGE>

                                                                          Page 3
<TABLE>
         <S>                                                           <C>
               Reset Dates:                                            The first day of each Floating Rate Payer
                                                                       Calculation Period

         Calculation Agent:                                            SunTrust

         Business Days:                                                New York
</TABLE>

2.       Other Provisions

(a)      You agree to provide us (i) corporate resolutions, and (ii) a
certificate of incumbency with respect to the individual(s) executing this
Confirmation, both documents evidencing your authority to enter into this
Transaction. This provision (2)(a) shall constitute an additional Agreement for
the purpose of Section 4 of the Swap Agreement.

(b)      By signing this Confirmation, you acknowledge that you have received
and understand the SunTrust Bank "Terms of Dealing for OTC Risk Management
Transactions" and the "Risk Disclosure Statement for OTC Risk Management
Transactions" (each attached hereto and incorporated by reference into this
Confirmation).

(c)      "Loan Agreement" shall mean each agreement related by its terms to this
Transaction, to which you (as borrower) and SunTrust (or one of its Affiliates)
are or hereafter become parties (and to which other lenders may be parties)
involving the making of loans, extensions of credit or financial accommodations
thereunder or commitments therefor, in the form existing on the date when that
agreement is executed and without regard to any termination or cancellation
thereof, whether by reason of payment of all indebtedness incurred thereunder or
otherwise, as such Loan Agreement may be amended, supplemented, otherwise
modified, replaced or substituted.

3.       Account Details

         Payment to Counterparty:

               Depositary:                  [PLEASE ADVISE]
               ADA #:
               Favor of:
               Account# :

         Payments to SunTrust:

               SunTrust Bank
               ABA # 061000104
               FBO: Bond Wire Clearing
               Account # 9088-0000-95
               Attn: Financial Risk Management Operations

4.       Offices

         (a)      The Office of Counterparty for the Transaction is its Miami
                  office; and

         (b)      The Office of SunTrust for the Transaction is its Atlanta
                  office.

<PAGE>

                                                                          Page 4

By signing below, you also acknowledge and agree that we have explained to you
the risks involved in this Transaction, which risks include but are not limited
to the following:

o        Market Risk: The risk that the Transaction may increase or decrease in
         value with a change in, among other things, interest rates or the yield
         curve; and

o        Liquidity Risk: The risk that the Transaction cannot be closed out or
         disposed of quickly at or near its value.

         You further acknowledge and agree that you understand these risks and
the Transaction as a whole, that you are capable of managing the risks
associated with this Transaction, that the risks involved in this Transaction
are consistent with your financial goals, policies and procedures, and risk
tolerance, and that you have determined that this Transaction is appropriate for
you.

         Please confirm that the foregoing correctly sets forth the terms of our
agreement by signing this copy of this Confirmation and immediately returning it
to SunTrust Equitable Securities Corporation via fax at the number indicated on
Page 1.

Very truly yours,                       Accepted and Confirmed as of the date
                                        first written:

SUNTRUST BANK                           POST, BUCKLEY, SCHUH & JERNIGAN, INC.

By:                                     By:
   --------------------------------        -------------------------------------
     Fred D. Woolf                         Name: Richard A. Wickett
     Vice President                        Title: Sr. Executive Vice President

<PAGE>

                                                                          Page 5

                             AMORTIZING SCHEDULE A*

Period Begin                     Period End                      Notional Amount

16-Mar-0l                        16-Apr-0l                       9,000,000.00
16-Apr-0l                        16-May-01                       8,981,159.00
16-May-01                        18-Jun-01                       8,962,219.39
18-Jun-01                        16-Jul-01                       8,943,180.67
16-Jul-01                        16-Aug-01                       8,924,042.31
16-Aug-01                        17-Sep-01                       8,904,803.79
17-Sep-01                        16-Oct-01                       8,885,464.59
16-Oct-01                        16-Nov-01                       8,866,024.19
16-Nov-01                        17-Dec-01                       8,846,482.04
17-Dec-01                        16-Jan-02                       8,826,837.63
16-Jan-02                        19-Feb-02                       8,807,090.41
19-Feb-02                        18-Mar-02                       8,787,239.84
18-Mar-02                        16-Apr-02                       8,767,285.39
16-Apr-02                        16-May-02                       8,747,226.52
16-May-02                        17-Jun-02                       8,727,062.66
17-Jun-02                        16-Jul-02                       8,706,793.29
16-Jul-02                        16-Aug-02                       8,686,417.83
16-Aug-02                        16-Sep-02                       8,665,935.75
16-Sep-02                        16-Oct-02                       8,645,346.48
16-Oct-02                        18-Nov-02                       8,624,649.45
18-Nov-02                        16-Dec-02                       8,603,844.11
16-Dec-02                        16-Jan-03                       8,582,929.89
16-Jan-03                        18-Feb-03                       8,561,906.22
18-Feb-03                        17-Mar-03                       8,540,772.52
17-Mar-03                        16-Apr-03                       8,519,528.23
16-Apr-03                        16-May-03                       8,498,172.76
16-May-03                        16-Jun-03                       8,476,705.52
16-Jun-03                        16-Jul-03                       8,455,125.94
16-Jul-03                        18-Aug-03                       8,433,433.43
18-Aug-03                        16-Sep-03                       8,411,627.40
16-Sep-03                        16-Oct-03                       8,389,707.24
16-Oct-03                        17-Nov-03                       8,367,672.37
17-Nov-03                        16-Dec-03                       8,345,522.19
16-Dec-03                        16-Jan-04                       8,323,256.08
16-Jan-04                        17-Feb-04                       8,300,873.45
17-Feb-04                        16-Mar-04                       8,278,373.68
16-Mar-04                        16-Apr-04                       8,255,756.17
16-Apr-04                        17-May-04                       8,233,020.29
17-May-04                        16-Jun-04                       8,210,165.42
16-Jun-04                        16-Jul-04                       8,187,190.95
16-Jul-04                        16-Aug-04                       8,164,096.25
16-Aug-04                        16-Sep-04                       8,140,880.68
16-Sep-04                        18-Oct-04                       8,117,543.62
18-Oct-04                        16-Nov-04                       8.094,084.42
16-Nov-04                        16-Dec-04                       8,070,502.46
16-Dec-04                        18-Jan-05                       8,046,797.08
18-Jan-05                        16-Feb-05                       8,022,967.65

<PAGE>

                                                                          Page 6

16-Feb-05                        16-Mar-05                       7,999,013.51
16-Mar-05                        18-Apr-05                       7,974,934.01
18-Apr-05                        16-May-05                       7,950,728.49
16-May-05                        16-Jun-05                       7,926,396.30
16-Jun-05                        18-Jul-05                       7,901,936.77
18-Jul-05                        16-Aug-05                       7,877,349.24
16-Aug-05                        16-Sep-05                       7,852,633.03
16-Sep-05                        17-Oct-05                       7,827,787.47
17-Oct-05                        16-Nov-05                       7,802,811.89
16-Nov-05                        16-Dec-05                       7,777,705.60
16-Dec-05                        17-Jan-06                       7,752,467.92
17-Jan-06                        16-Feb-06                       7,727,098.16
16-Feb-05                        16-Mar-06                       7,701,595.64

* Amortization Schedule A, subject to adjustment in accordance with the Modified
Following Business Day Convention.

<PAGE>

                                                                          Page 7

                           SUNTRUST BANK ("SUNTRUST")
              TERMS OF DEALING FOR OTC RISK MANAGEMENT TRANSACTIONS

In connection with the negotiation, entry into, and performance from time to
time of over-the-counter ("OTC") risk management transactions, please be advised
that:

SunTrust acts as principal only and does not act as advisor, agent, broker, or
fiduciary for or with respect to any counterparty (unless otherwise expressly
agreed in a written engagement letter).

SunTrust expects that its counterparties have the authority and capacity to
enter into and perform their obligations under their OTC risk management
transactions with SunTrust and SunTrust relies on the express and implied
representations of its counterparties with respect thereto.

SunTrust expects that its counterparties possess adequate knowledge and
experience to assess independently, or with the assistance of their own
advisors, the merits and risks of each OTC risk management transaction that the
counterparty may from time to time enter into, amend, or terminate.

SunTrust endeavors to maintain the confidentiality of all confidential
counterparty information and expects its counterparts to do the same. Unless a
counterparty gives SunTrust written notice to the contrary, each counterparty
authorizes SunTrust and all SunTrust affiliates, including SunTrust Equitable
Securities Corporation (STES), to share with each other confidential information
concerning a counterparty and/or its accounts for marketing or other purposes
from time to time. Any trade ideas, term sheets, and other similar documents
sent to counterparties by SunTrust are not to be shared with others.

SunTrust may pay fees, commissions, and other amounts to agents, brokers, and/or
other third parties in connection with OTC risk management transactions entered
into with counterparties. SunTrust considers the amount of such fees,
commissions, and other amounts to be confidential and does not disclose the same
to its counterparties.

SunTrust may from time to time receive orders for similar or identical
transactions and SunTrust makes no representation with respect to execution
priorities.

STES's Authorized Officers have the authority to bind SunTrust in connection
with OTC risk management transactions. A current list of Authorized Officers may
be obtained from STES upon request.

OTC risk management obligations of SunTrust are not FDIC insured.

<PAGE>

                                                                          Page 8

                           SUNTRUST BANK ("SUNTRUST")
         RISK DISCLOSURE STATEMENT FOR OTC RISK MANAGEMENT TRANSACTIONS

Over-the-counter ("OTC") risk management transactions, like other financial
transactions, involve a variety of significant potential risks. OTC risk
management transactions generally include options, forwards, swaps, swaptions,
caps, floors, collars, combination and variations of such instruments, and other
executory contractual arrangements, and may involve interest rates, currencies,
securities, commodities, equities, credit, indices, and other underlying
interests.

Before entering into any OTC risk management transaction, you should carefully
consider whether the transaction is appropriate for you in light of your
experience, objectives, financial and operational resources, and other relevant
circumstances. You should also ensue that you fully understand the nature of the
transaction and contractual relationship into which you are entering and the
nature and extent of your exposure to risk of loss, which may significantly
exceed the amount of any initial payment or investment by you.

The specific risks presented by a particular OTC risk management transaction
necessarily depend upon the character of the specific transaction and your
circumstances. In general, however, all OTC risk management transactions involve
the risk of adverse or unanticipated market developments, risk of illiquidity
and credit risk, and may involve other material risks. Equity risk management
transactions may increase or decrease in value with a change in, among other
things, stock prices and interest rates which could result in unlimited loss. In
addition, you may be subject to internal operational risks in the event that
appropriate internal system and controls are not in place to monitor the various
risks and funding requirements to which you are subject by virtue of your
activities in the OTC risk management and related markets. OTC risk management
transactions frequently are tailored to permit parties to customize transactions
to accomplish complex financial and risk management objectives. Such
customization can also introduce significant risk factors of a complex
character.

As in any financial transaction, you must understand the requirements (including
investment restrictions), if any, applicable to you that are established by your
regulars or by your Board of Directors or other governing body. You should also
consider the tax and accounting implications of entering into any risk
management or transaction. To the extent appropriate m light of the specific
transaction and your circumstances, you should consider consulting such advisers
as may be appropriate to assist you in understanding the risks involved. If you
are acting in the capacity of financial adviser or agent, you must evaluate the
foregoing matters in light of the circumstances applicable to your principal.

In entering into any OTC risk management transaction, you should also take into
consideration that, unless you and SunTrust have established in writing an
express financial advisory or other fiduciary relationship or you and SunTrust
have expressly agreed in writing that you will be relying on SunTrust's
recomrnendatiom as the primary basis for making your trading or investment
decisions, SunTrust is acting solely in the capacity of an arm's-length
contractual counterparty and not in the capacity of your financial advisor or
fiduciary. In addition, SunTrust or its affiliates may from time to time have
substantial long or short positions in and may make a market in or otherwise buy
or sell instruments identical or economically related to the OTC risk management
transaction entered into with you or may have an investment banking or other
commercial relationship with the issuer of any security or financial instrument
underlying an OTC risk management transaction entered into with you.

THIS BRIEF STATEMENT DOES NOT DISCLOSE ALL OF THE RISKS AND OTHER SIGNIFICANT
ASPECTS OF ENTERING INTO OTC RISK MANAGEMENT TRANSACTIONS. YOU SHOULD REFRAIN
FROM ENTERING INTO ANY SUCH TRANSACTION UNLESS YOU FULLY UNDERSTAND ALL SUCH
RISK AND HAVE INDEPENDENTLY DETERMINED THAT THE TRANSACTION L IS APPROPRIATE FOR
YOU.

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