EXHIBIT B

                  NFG Loan to Horizon


  Interest
         Date        Rate      Principal

     10/01/2002      2.05%      24,400,000
     10/02/2002      2.05%      24,400,000
     10/03/2002      2.05%      24,400,000
     10/04/2002      2.05%      24,400,000
     10/05/2002      2.05%      24,400,000
     10/06/2002      2.05%      24,400,000
     10/07/2002      2.05%      24,400,000
     10/08/2002      2.05%      24,400,000
     10/09/2002      2.05%      24,400,000
     10/10/2002      2.05%      24,400,000
     10/11/2002      2.05%      24,800,000
     10/12/2002      2.05%      24,800,000
     10/13/2002      2.05%      24,800,000
     10/14/2002      2.05%      24,800,000
     10/15/2002      2.05%      24,800,000
     10/16/2002      2.05%      24,800,000
     10/17/2002      2.05%      24,800,000
     10/18/2002      2.06%      24,800,000
     10/19/2002      2.06%      24,800,000
     10/20/2002      2.06%      24,800,000
     10/21/2002      2.06%      24,800,000
     10/22/2002      2.06%      24,800,000
     10/23/2002      2.06%      24,800,000
     10/24/2002      2.06%      24,800,000
     10/25/2002      2.06%      24,800,000
     10/26/2002      2.06%      24,800,000
     10/27/2002      2.06%      24,800,000
     10/28/2002      2.06%      24,800,000
     10/29/2002      2.06%      24,800,000
     10/30/2002      2.06%      24,800,000
     10/31/2002      2.06%      24,800,000
     11/01/2002      2.05%      27,300,000
     11/02/2002      2.05%      27,300,000
     11/03/2002      2.05%      27,300,000
     11/04/2002      2.05%      27,300,000
     11/05/2002      2.05%      27,300,000
     11/06/2002      2.05%      27,300,000
     11/07/2002      2.05%      27,300,000
     11/08/2002      1.89%      27,500,000
     11/09/2002      1.89%      27,500,000
     11/10/2002      1.89%      27,500,000
     11/11/2002      1.89%      27,500,000
     11/12/2002      1.89%      27,500,000
     11/13/2002      1.89%      27,500,000
     11/14/2002      1.89%      27,500,000
     11/15/2002      1.89%      27,500,000
     11/16/2002      1.89%      27,500,000
     11/17/2002      1.89%      27,500,000
     11/18/2002      1.89%      27,500,000
     11/19/2002      1.89%      27,500,000
     11/20/2002      1.89%      27,500,000
     11/21/2002      1.89%      27,500,000
     11/22/2002      1.71%      27,700,000
     11/23/2002      1.71%      27,700,000
     11/24/2002      1.71%      27,700,000
     11/25/2002      1.71%      27,700,000
     11/26/2002      1.71%      27,700,000
     11/27/2002      1.71%      27,700,000
     11/28/2002      1.71%      27,700,000
     11/29/2002      1.71%      27,700,000
     11/30/2002      1.71%      27,700,000
     12/01/2002      1.71%      27,700,000
     12/02/2002      1.71%      27,700,000
     12/03/2002      1.71%      27,700,000
     12/04/2002      1.71%      27,700,000
     12/05/2002      1.71%      27,700,000
     12/06/2002      1.67%      28,100,000
     12/07/2002      1.67%      28,100,000
     12/08/2002      1.67%      28,100,000
     12/09/2002      1.67%      28,100,000
     12/10/2002      1.67%      28,100,000
     12/11/2002      1.67%      28,100,000
     12/12/2002      1.67%      28,100,000
     12/13/2002      1.67%      28,100,000
     12/14/2002      1.67%      28,100,000
     12/15/2002      1.67%      28,100,000
     12/16/2002      1.67%      28,100,000
     12/17/2002      1.67%      28,100,000
     12/18/2002      1.67%      28,100,000
     12/19/2002      1.67%      28,100,000
     12/20/2002      1.73%      28,200,000
     12/21/2002      1.73%      28,200,000
     12/22/2002      1.73%      28,200,000
     12/23/2002      1.73%      28,200,000
     12/24/2002      1.73%      28,200,000
     12/25/2002      1.73%      28,200,000
     12/26/2002      1.73%      28,200,000
     12/27/2002      1.73%      28,200,000
     12/28/2002      1.73%      28,200,000
     12/29/2002      1.73%      28,200,000
     12/30/2002      1.73%      28,200,000
     12/31/2002      1.73%      28,200,000