EXHIBIT B

                     Horizon Loan to United


                            Interest
            Date             Rate         Principal

         01/01/2002          0.00%            0
         01/02/2002          0.00%            0
         01/03/2002          0.00%            0
         01/04/2002          0.00%            0
         01/05/2002          0.00%            0
         01/06/2002          0.00%            0
         01/07/2002          0.00%            0
         01/08/2002          0.00%            0
         01/09/2002          0.00%            0
         01/10/2002          0.00%            0
         01/11/2002          0.00%            0
         01/12/2002          0.00%            0
         01/13/2002          0.00%            0
         01/14/2002          0.00%            0
         01/15/2002          0.00%            0
         01/16/2002          0.00%            0
         01/17/2002          0.00%            0
         01/18/2002          0.00%            0
         01/19/2002          0.00%            0
         01/20/2002          0.00%            0
         01/21/2002          0.00%            0
         01/22/2002          0.00%            0
         01/23/2002          0.00%            0
         01/24/2002          0.00%            0
         01/25/2002          0.00%            0
         01/26/2002          0.00%            0
         01/27/2002          0.00%            0
         01/28/2002          0.00%            0
         01/29/2002          0.00%            0
         01/30/2002          0.00%            0
         01/31/2002          0.00%            0
         02/01/2002          0.00%            0
         02/02/2002          0.00%            0
         02/03/2002          0.00%            0
         02/04/2002          0.00%            0
         02/05/2002          0.00%            0
         02/06/2002          0.00%            0
         02/07/2002          0.00%            0
         02/08/2002          0.00%            0
         02/09/2002          0.00%            0
         02/10/2002          0.00%            0
         02/11/2002          0.00%            0
         02/12/2002          0.00%            0
         02/13/2002          0.00%            0
         02/14/2002          0.00%            0
         02/15/2002          0.00%            0
         02/16/2002          0.00%            0
         02/17/2002          0.00%            0
         02/18/2002          0.00%            0
         02/19/2002          0.00%            0
         02/20/2002          0.00%            0
         02/21/2002          0.00%            0
         02/22/2002          0.00%            0
         02/23/2002          0.00%            0
         02/24/2002          0.00%            0
         02/25/2002          0.00%            0
         02/26/2002          0.00%            0
         02/27/2002          0.00%            0
         02/28/2002          0.00%            0
         03/01/2002          0.00%            0
         03/02/2002          0.00%            0
         03/03/2002          0.00%            0
         03/04/2002          0.00%            0
         03/05/2002          0.00%            0
         03/06/2002          0.00%            0
         03/07/2002          0.00%            0
         03/08/2002          0.00%            0
         03/09/2002          0.00%            0
         03/10/2002          0.00%            0
         03/11/2002          0.00%            0
         03/12/2002          0.00%            0
         03/13/2002          0.00%            0
         03/14/2002          0.00%            0
         03/15/2002          0.00%            0
         03/16/2002          0.00%            0
         03/17/2002          0.00%            0
         03/18/2002          0.00%            0
         03/19/2002          0.00%            0
         03/20/2002          0.00%            0
         03/21/2002          0.00%            0
         03/22/2002          0.00%            0
         03/23/2002          0.00%            0
         03/24/2002          0.00%            0
         03/25/2002          0.00%            0
         03/26/2002          0.00%            0
         03/27/2002          0.00%            0
         03/28/2002          0.00%            0
         03/29/2002          0.00%            0
         03/30/2002          0.00%            0
         03/31/2002          0.00%            0