ZENITH NATIONAL INSURANCE CORP
EXHIBIT 10.2
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<P ALIGN="RIGHT"><FONT SIZE=2><B>EXHIBIT&nbsp;10.2  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2><A
NAME="kc1621_settlement_agreement"> </A>
<A NAME="toc_kc1621_1"> </A>
<BR></FONT><FONT SIZE=2><B>SETTLEMENT AGREEMENT    <BR>  </B></FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Settlement Agreement (the "Agreement") is made and entered into this&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;day of August, 2002, by and between
RISCORP,&nbsp;INC., a Florida
corporation, RISCORP Management Services,&nbsp;Inc., a Florida corporation, 1390 Main Street Services, a Florida Corporation, RISCORP of Illinois,&nbsp;Inc., an Illinois corporation, Independent
Association Administrators Incorporated, an Alabama corporation, RISCORP Insurance Services,&nbsp;Inc., a Florida corporation, RISCORP Managed Care Services,&nbsp;Inc., a Florida corporation,
CompSource,&nbsp;Inc., a North Carolina corporation, RISCORP Real Estate Holdings,&nbsp;Inc., a Florida corporation, RISCORP Acquisition,&nbsp;Inc., a Florida corporation, RISCORP
West,&nbsp;Inc., an Oklahoma corporation, RISCORP of Florida,&nbsp;Inc., a Florida corporation, RISCORP Insurance Company, a Florida corporation, RISCORP Property&nbsp;&amp; Casualty Insurance
Company, a Florida corporation, RISCORP National Insurance Company, a Missouri corporation, RISCORP Services,&nbsp;Inc., a Florida corporation, RISCORP Staffing Solutions Holding Company, a Florida
corporation, RISCORP Staffing Solutions,&nbsp;Inc. I, a Florida corporation and RISCORP Staffing Solutions,&nbsp;Inc. II, a Florida corporation (collectively referred to as "RISCORP") and Zenith
Insurance Company, a California corporation ("Zenith") (collectively, RISCORP and Zenith are referred to herein as the "Parties"), as follows: </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;WHEREAS:
</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.&nbsp;&nbsp;&nbsp;&nbsp;There
is presently pending a civil action styled RISCORP Insurance Company, etc., et. al v. Department of Labor and Employment Security, et. al, In the Circuit Court,
Second Judicial Circuit, In and For Leon County, Florida; Consolidated Case Nos:&nbsp;99-5027, 00-602 (the "DLES Action"); </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.&nbsp;&nbsp;&nbsp;&nbsp;Zenith
and RISCORP are parties to a Settlement Agreement dated July&nbsp;7, 1999 and attached as Exhibit&nbsp;"A" hereto (the "July&nbsp;7 Agreement"), pursuant to
which Zenith has an interest in a certain portion of any recovery by RISCORP in the DLES Action less a pro rata portion of fees and expenses incurred in the prosecution of the DLES Action; </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.&nbsp;&nbsp;&nbsp;&nbsp;There
is presently pending a civil action styled RISCORP&nbsp;Inc., etc., et. al v. Zenith Insurance Company, etc., In the Superior Court of Fulton County, State of
Georgia; Civil Action File No:&nbsp;2000CV17847 (the "Zenith/AA Action"); </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.&nbsp;&nbsp;&nbsp;&nbsp;The
parties are desirous of resolving their disputes and avoiding the expense and time involved in litigation of the Zenith/AA Action and to resolve Zenith's interest in
the DLES Action; </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NOW,
THEREFORE, for and in consideration of the mutual covenants, promises, representations, recitals and agreements contained herein, and other such good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the Parties intend to make this Agreement a legally binding contract on the Parties and do agree as follows: </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;The DLES Action.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Zenith
hereby waives and releases any and all claims, rights, title or interest it may have in any recovery by RISCORP in the DLES Action, including but not limited to any and all
claims, rights, title or interest that may arise pursuant to paragraph&nbsp;3 of the July&nbsp;7 Agreement. The parties agree that any and all recovery obtained in the DLES Action shall belong
completely and fully to RISCORP. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;The Zenith/AA Action.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
execution of this Agreement, RISCORP and Zenith shall enter into a stipulation for entry of an order dismissing with prejudice their respective claims, defenses and counterclaims,
including any and all claims to attorneys' fees and/or court costs and appeals in the Zenith/AA Action. </FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Attorneys' Fees and Costs.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
party shall bear their own attorneys' fees and costs incurred in connection with the DLES Action and the Zenith/AA Action. In any action brought to enforce or interpret the terms of
this Agreement, however, the prevailing party(ies) shall be entitled to recover from the other party(ies) the prevailing party's attorneys' fees and costs. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Cooperation in the DLES Action.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Zenith
agrees to continue to provide RISCORP with full cooperation in RISCORP's prosecution of the DLES Action, including but not limited to (i)&nbsp;making available for copying and
inspection any and all financial and other business records that may be deemed necessary by RISCORP to prosecute the DLES Action, and (ii)&nbsp;Zenith also agrees not to interfere with or in any way
object to RISCORP's claims or recovery in the DLES Action. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Mutual Release.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;RISCORP,
on the one hand, and Zenith, on the other hand, except as to those obligations expressly set forth in this Agreement, do hereby, forever release, aquit and discharge each other
from every claim and demand that either RISCORP or Zenith has, had or could have presented against the other in the Zenith/AA Action or in way relating to or arising out of the DLES Action, including
any and all claims, causes of action, suits, debts, sums of money, accounts, controversies, agreements, promises, damages, judgments, executions and demands of any kind whatsoever, in law or in equity
known or unknown, which existed in the past, presently exist, or shall accrue, upon or by reason of any matter, cause or thing whatsoever, regarding any and all issues that arise from, relate to or
concern, directly or indirectly, the Zenith/AA Action or Zenith's right to any recovery in the DLES Action, from the beginning of the of the world to the date of this Agreement. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Entire Agreement.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement contains the entire agreement of the Parties with respect to the subject matter hereof and no promise, inducement, or agreements other than those expressed in this
Agreement have been made. The terms fully set forth in this Agreement are contractual and not mere recitals, and shall be binding upon, and inure to the benefit of all Parties, their successors,
heirs, assigns and all of their present and former officers, directors, agents, employees, representatives, predecessors, subsidiaries, parent corporations, and affiliates. </FONT></P>


<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Survivability.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any provision, covenant, condition or term of this Agreement shall later be determined to be invalid or unenforceable, the remainder of this Agreement shall not be affected thereby,
and each provision, covenant, condition and term of this Agreement shall be valid and enforceable to the fullest extent permitted by law. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Choice of Law.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement shall be governed by, construed and interpreted in accordance with the laws of the State of Florida. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Authority of Undersigned.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the undersigned Parties represents, warrants and states that all legal actions necessary for the effectuation and execution of this Agreement have been taken and that the
individuals whose signatures appear below on behalf of the Parties are duly authorized to execute this Agreement on behalf of their respective Parties. </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Page 2 of 4</FONT></P>

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<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Further Assurances.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
and after execution of this Agreement, the Parties agree that they will take all action reasonably necessary, including but not limited to executing any additional documents of any
kind, which may be necessary to carry out any provision of this Agreement. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Amendments and Waivers.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement may not be amended, superseded, cancelled or otherwise altered except by a writing signed by all Parties. No term within this Agreement may be waived except by a writing
signed by the party waiving compliance. No delay by any party in exercising any right, power or privilege hereunder shall operate as a waiver thereof, nor shall any waiver by any party of any right,
power or privilege preclude any further exercise thereof or the exercise of any other right, power or privilege. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.</FONT><FONT
SIZE=2><I>&nbsp;&nbsp;&nbsp;&nbsp;Multiple Counterparts.</I></FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement may be executed in multiple counterparts each of which shall be deemed to be an original as against any party whose signature appears thereon and all of which shall
together constitute one and the same instrument. </FONT></P>

<P><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;IN
WITNESS WHEREOF the parties have executed this Agreement under seal as of the first date written above. </FONT></P>

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<TD WIDTH="52%"><FONT SIZE=2>RISCORP, INC,</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=2><FONT SIZE=2>ZENITH INSURANCE COMPANY</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP MANAGEMENT SERVICES,&nbsp;INC.<BR>
1390 MAIN STREET SERVICES,&nbsp;INC.</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP OF ILLINOIS,&nbsp;INC.</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%"><FONT SIZE=2>By:</FONT></TD>
<TD WIDTH="35%"><FONT SIZE=2>/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>STANLEY R. ZAX</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>INDEPENDENT ASSOCIATION ADMINISTRATORS&nbsp;INC.</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><HR NOSHADE></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP MANAGED CARE SERVICES,&nbsp;INC.</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>Its:</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>President</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>COMPSOURCE,&nbsp;INC.</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><HR NOSHADE></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP REAL ESTATE HOLDINGS,&nbsp;INC.</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>Dated:</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>August 8, 2002</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP ACQUISION,&nbsp;INC.</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><HR NOSHADE></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP WEST,&nbsp;INC.,</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP OF FLORIDA,&nbsp;INC.</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP INSURANCE COMPANY</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=4><FONT SIZE=2>RISCORP PROPERTY AND CASUALTY INSURANCE COMPANY</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP NATIONAL INSURANCE COMPANY</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP SERVICES, INC</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=4><FONT SIZE=2>RISCORP STAFFING SOLUTIONS HOLDING COMPANY</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP STAFFING SOLUTIONS,&nbsp;INC.,&nbsp;I</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD WIDTH="52%"><FONT SIZE=2>RISCORP STAFFING SOLUTIONS,&nbsp;INC.,&nbsp;II</FONT></TD>
<TD WIDTH="5%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="8%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="35%" VALIGN="TOP"><FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
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<TD WIDTH="81%"><FONT SIZE=2>&nbsp;</FONT></TD>
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<TD WIDTH="19%"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD WIDTH="81%"><FONT SIZE=2>&nbsp;</FONT></TD>
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<TD WIDTH="19%"><FONT SIZE=2>By:</FONT></TD>
<TD WIDTH="81%"><FONT SIZE=2>/s/&nbsp;&nbsp;</FONT><FONT SIZE=2>RANDY SOL</FONT><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><HR NOSHADE></TD>
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<TD WIDTH="19%"><FONT SIZE=2>Its:</FONT></TD>
<TD WIDTH="81%"><FONT SIZE=2>VP</FONT><HR NOSHADE></TD>
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<TD WIDTH="19%"><FONT SIZE=2>Dated:</FONT></TD>
<TD WIDTH="81%"><FONT SIZE=2>8-13-02</FONT><HR NOSHADE></TD>
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<P ALIGN="CENTER"><FONT SIZE=2>Page 3 of 4</FONT></P>

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<P ALIGN="CENTER"><FONT SIZE=2><B>EXHIBIT A  </B></FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>EXHIBIT
A NOT INCLUDED </FONT></P>

<P ALIGN="CENTER"><FONT SIZE=2>Page 4 of 4</FONT></P>

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