EXHIBIT C

                       NFG Loan to Horizon


     Interest
            Date             Rate           Principal

       01/01/2002          2.37%          17,300,000
         01/02/2002          2.37%          17,300,000
         01/03/2002          2.37%          17,300,000
         01/04/2002          2.37%          17,300,000
         01/05/2002          2.37%          17,300,000
         01/06/2002          2.37%          17,300,000
         01/07/2002          2.37%          17,300,000
         01/08/2002          2.37%          17,300,000
         01/09/2002          2.31%          17,500,000
         01/10/2002          2.31%          17,500,000
         01/11/2002          2.31%          17,500,000
         01/12/2002          2.31%          17,500,000
         01/13/2002          2.31%          17,500,000
         01/14/2002          2.24%          17,600,000
         01/15/2002          2.24%          16,700,000
         01/16/2002          2.24%          16,700,000
         01/17/2002          2.11%          17,100,000
         01/18/2002          2.11%          17,100,000
         01/19/2002          2.11%          17,100,000
         01/20/2002          2.11%          17,100,000
         01/21/2002          2.11%          17,100,000
         01/22/2002          2.11%          17,100,000
         01/23/2002          2.11%          17,100,000
         01/24/2002          2.11%          17,100,000
         01/25/2002          2.11%          17,100,000
         01/26/2002          2.11%          17,100,000
         01/27/2002          2.11%          17,100,000
         01/28/2002          2.11%          17,100,000
         01/29/2002          2.11%          17,100,000
         01/30/2002          2.11%          17,100,000
         01/31/2002          2.11%          17,100,000
         02/01/2002          2.11%          17,100,000
         02/02/2002          2.11%          17,100,000
         02/03/2002          2.11%          17,100,000
         02/04/2002          2.11%          17,100,000
         02/05/2002          2.11%          17,100,000
         02/06/2002          2.11%          17,100,000
         02/07/2002          2.11%          17,100,000
         02/08/2002          2.11%          17,100,000
         02/09/2002          2.11%          17,100,000
         02/10/2002          2.11%          17,100,000
         02/11/2002          2.14%          17,100,000
         02/12/2002          2.14%          17,100,000
         02/13/2002          2.13%          17,700,000
         02/14/2002          2.13%          17,700,000
         02/15/2002          2.13%          17,700,000
         02/16/2002          2.13%          17,700,000
         02/17/2002          2.13%          17,700,000
         02/18/2002          2.13%          17,700,000
         02/19/2002          2.13%          17,700,000
         02/20/2002          2.13%          17,700,000
         02/21/2002          2.13%          17,700,000
         02/22/2002          2.13%          17,700,000
         02/23/2002          2.13%          17,700,000
         02/24/2002          2.13%          17,700,000
         02/25/2002          2.13%          17,700,000
         02/26/2002          2.13%          17,700,000
         02/27/2002          2.13%          17,700,000
         02/28/2002          2.13%          17,700,000
         03/01/2002          2.13%          17,700,000
         03/02/2002          2.13%          17,700,000
         03/03/2002          2.13%          17,700,000
         03/04/2002          2.13%          17,700,000
         03/05/2002          2.13%          17,700,000
         03/06/2002          2.13%          17,700,000
         03/07/2002          2.13%          17,700,000
         03/08/2002          2.13%          17,700,000
         03/09/2002          2.13%          17,700,000
         03/10/2002          2.13%          17,700,000
         03/11/2002          2.13%          17,700,000
         03/12/2002          2.13%          17,700,000
         03/13/2002          2.10%          18,300,000
         03/14/2002          2.10%          18,300,000
         03/15/2002          2.10%          18,300,000
         03/16/2002          2.10%          18,300,000
         03/17/2002          2.10%          18,300,000
         03/18/2002          2.10%          18,300,000
         03/19/2002          2.10%          18,300,000
         03/20/2002          2.10%          18,300,000
         03/21/2002          2.10%          18,300,000
         03/22/2002          2.10%          18,300,000
         03/23/2002          2.10%          18,300,000
         03/24/2002          2.10%          18,300,000
         03/25/2002          2.10%          18,300,000
         03/26/2002          2.10%          18,300,000
         03/27/2002          2.10%          18,300,000
         03/28/2002          2.10%          18,300,000
         03/29/2002          2.10%          18,300,000
         03/30/2002          2.10%          18,300,000
         03/31/2002          2.10%          18,300,000