Exhibit C
                           NFG Loan to Horizon
                           -------------------


                              Interest
                   Date         Rate             Principal
                   ----         ----             ---------
                01/01/2001      6.84%           12,500,000
                01/02/2001      6.84%           12,500,000
                01/03/2001      6.84%           12,500,000
                01/04/2001      6.84%           12,500,000
                01/05/2001      6.84%           12,500,000
                01/06/2001      6.84%           12,500,000
                01/07/2001      6.84%           12,500,000
                01/08/2001      6.84%           12,500,000
                01/09/2001      6.83%           12,600,000
                01/10/2001      6.83%           12,600,000
                01/11/2001      6.83%           12,600,000
                01/12/2001      6.83%           12,600,000
                01/13/2001      6.83%           12,600,000
                01/14/2001      6.83%           12,600,000
                01/15/2001      6.83%           12,600,000
                01/16/2001      6.83%           12,600,000
                01/17/2001      6.83%           12,600,000
                01/18/2001      6.83%           12,600,000
                01/19/2001      6.83%           12,600,000
                01/20/2001      6.83%           12,600,000
                01/21/2001      6.83%           12,600,000
                01/22/2001      6.83%           12,600,000
                01/23/2001      6.83%           12,600,000
                01/24/2001      6.83%           12,600,000
                01/25/2001      6.83%           12,600,000
                01/26/2001      6.83%           12,600,000
                01/27/2001      6.83%           12,600,000
                01/28/2001      6.83%           12,600,000
                01/29/2001      6.83%           12,600,000
                01/30/2001      6.83%           12,600,000
                01/31/2001      6.83%           12,600,000
                02/01/2001      6.83%           12,600,000
                02/02/2001      6.83%           12,600,000
                02/03/2001      6.83%           12,600,000
                02/04/2001      6.83%           12,600,000
                02/05/2001      6.83%           12,600,000
                02/06/2001      6.83%           12,600,000
                02/07/2001      6.83%           12,600,000
                02/08/2001      6.83%           12,600,000
                02/09/2001      6.84%           12,400,000
                02/10/2001      6.84%           12,400,000
                02/11/2001      6.84%           12,400,000
                02/12/2001      6.84%           12,400,000
                02/13/2001      6.84%           12,400,000
                02/14/2001      6.84%           12,400,000
                02/15/2001      6.84%           12,400,000
                02/16/2001      6.84%           12,400,000
                02/17/2001      6.84%           12,400,000
                02/18/2001      6.84%           12,400,000
                02/19/2001      6.84%           12,400,000
                02/20/2001      6.84%           12,400,000
                02/21/2001      6.84%           12,400,000
                02/22/2001      6.84%           12,400,000
                02/23/2001      6.84%           12,400,000
                02/24/2001      6.84%           12,400,000
                02/25/2001      6.84%           12,400,000
                02/26/2001      5.69%           10,300,000
                02/27/2001      5.69%           10,300,000
                02/28/2001      5.69%           10,300,000
                03/01/2001      5.69%           10,300,000
                03/02/2001      5.69%           10,300,000
                03/03/2001      5.69%           10,300,000
                03/04/2001      5.69%           10,300,000
                03/05/2001      5.69%           10,300,000
                03/06/2001      5.69%           10,300,000
                03/07/2001      5.69%           10,300,000
                03/08/2001      5.69%           10,300,000
                03/09/2001      5.69%           10,300,000
                03/10/2001      5.69%           10,300,000
                03/11/2001      5.69%           10,300,000
                03/12/2001      5.69%           10,300,000
                03/13/2001      5.69%           10,300,000
                03/14/2001      5.69%           10,300,000
                03/15/2001      5.69%           10,300,000
                03/16/2001      5.69%           10,300,000
                03/17/2001      5.69%           10,300,000
                03/18/2001      5.69%           10,300,000
                03/19/2001      5.69%           10,300,000
                03/20/2001      5.69%           10,300,000
                03/21/2001      5.69%           10,300,000
                03/22/2001      5.69%           10,300,000
                03/23/2001      5.69%           10,300,000
                03/24/2001      5.69%           10,300,000
                03/25/2001      5.69%           10,300,000
                03/26/2001      5.69%           10,300,000
                03/27/2001      5.69%           10,300,000
                03/28/2001      5.24%            9,800,000
                03/29/2001      5.24%            9,800,000
                03/30/2001      5.24%            9,800,000
                03/31/2001      5.24%            9,800,000