EXHIBIT D

                    Seneca Loan to NFEC

                         Principal
                          Amount         Interest
MO. / YR.    DAY          $US             Rate
  2002

Jan.02         1        253,005,372        2.41%
Jan.02         2        253,005,372        2.40%
Jan.02         3        253,005,372        2.40%
Jan.02         4        253,005,372        2.39%
Jan.02         5        253,005,372        2.39%
Jan.02         6        253,005,372        2.39%
Jan.02         7        253,005,372        2.36%
Jan.02         8        253,005,372        2.34%
Jan.02         9        253,005,372        2.33%
Jan.02         10       253,005,372        2.34%
Jan.02         11       253,005,372        2.32%
Jan.02         12       253,005,372        2.32%
Jan.02         13       253,005,372        2.32%
Jan.02         14       253,005,372        2.29%
Jan.02         15       253,005,372        2.26%
Jan.02         16       253,005,372        2.22%
Jan.02         17       253,005,372        2.21%
Jan.02         18       253,005,372        2.18%
Jan.02         19       253,005,372        2.18%
Jan.02         20       253,005,372        2.18%
Jan.02         21       253,005,372        2.18%
Jan.02         22       253,005,372        2.17%
Jan.02         23       253,005,372        2.16%
Jan.02         24       253,005,372        2.13%
Jan.02         25       253,005,372        2.12%
Jan.02         26       253,005,372        2.12%
Jan.02         27       253,005,372        2.12%
Jan.02         28       253,005,372        2.13%
Jan.02         29       253,005,372        2.13%
Jan.02         30       253,005,372        2.13%
Jan.02         31       253,005,372        2.13%
Feb.02         1        253,005,372        2.13%
Feb.02         2        253,005,372        2.13%
Feb.02         3        253,005,372        2.13%
Feb.02         4        253,005,372        2.11%
Feb.02         5        253,005,372        2.11%
Feb.02         6        253,005,372        2.11%
Feb.02         7        253,005,372        2.11%
Feb.02         8        253,005,372        2.11%
Feb.02         9        253,005,372        2.11%
Feb.02         10       253,005,372        2.11%
Feb.02         11       253,005,372        2.11%
Feb.02         12       253,005,372        2.11%
Feb.02         13       253,005,372        2.11%
Feb.02         14       253,005,372        2.09%
Feb.02         15       253,005,372        2.10%
Feb.02         16       253,005,372        2.10%
Feb.02         17       253,005,372        2.10%
Feb.02         18       253,005,372        2.10%
Feb.02         19       253,005,372        2.09%
Feb.02         20       253,005,372        2.08%
Feb.02         21       253,005,372        2.09%
Feb.02         22       253,005,372        2.09%
Feb.02         23       253,005,372        2.09%
Feb.02         24       253,005,372        2.09%
Feb.02         25       253,005,372        2.09%
Feb.02         26       253,005,372        2.09%
Feb.02         27       253,005,372        2.09%
Feb.02         28       253,005,372        2.09%
Mar.02         1        253,005,372        2.09%
Mar.02         2        253,005,372        2.09%
Mar.02         3        253,005,372        2.09%
Mar.02         4        253,005,372        2.09%
Mar.02         5        253,005,372        2.09%
Mar.02         6        253,005,372        2.09%
Mar.02         7        253,005,372        2.09%
Mar.02         8        253,005,372        2.09%
Mar.02         9        253,005,372        2.09%
Mar.02         10       253,005,372        2.09%
Mar.02         11       253,005,372        2.09%
Mar.02         12       253,005,372        2.10%
Mar.02         13       253,005,372        2.09%
Mar.02         14       253,005,372        2.10%
Mar.02         15       253,005,372        2.10%
Mar.02         16       253,005,372        2.10%
Mar.02         17       253,005,372        2.10%
Mar.02         18       253,005,372        2.09%
Mar.02         19       253,005,372        2.09%
Mar.02         20       253,005,372        2.11%
Mar.02         21       253,005,372        2.11%
Mar.02         22       253,005,372        2.11%
Mar.02         23       253,005,372        2.11%
Mar.02         24       253,005,372        2.11%
Mar.02         25       253,005,372        2.11%
Mar.02         26       253,005,372        2.11%
Mar.02         27       253,005,372        2.11%
Mar.02         28       253,005,372        2.11%
Mar.02         29       253,005,372        2.11%
Mar.02         30       253,005,372        2.11%
Mar.02         31       253,005,372        2.11%