EXHIBIT B

                  NFG Loan to Horizon


  Interest
         Date        Rate      Principal

     04/01/2003    1.52%        26,200,000
     04/02/2003    1.52%        26,200,000
     04/03/2003    1.52%        26,200,000
     04/04/2003    1.52%        26,200,000
     04/05/2003    1.52%        26,200,000
     04/06/2003    1.52%        26,200,000
     04/07/2003    1.51%        25,800,000
     04/08/2003    1.51%        25,800,000
     04/09/2003    1.51%        25,800,000
     04/10/2003    1.51%        25,800,000
     04/11/2003    1.51%        25,800,000
     04/12/2003    1.51%        25,800,000
     04/13/2003    1.51%        25,800,000
     04/14/2003    1.51%        25,800,000
     04/15/2003    1.51%        25,800,000
     04/16/2003    1.51%        25,800,000
     04/17/2003    1.51%        25,800,000
     04/18/2003    1.51%        25,800,000
     04/19/2003    1.51%        25,800,000
     04/20/2003    1.51%        25,800,000
     04/21/2003    1.50%        25,400,000
     04/22/2003    1.50%        25,400,000
     04/23/2003    1.50%        25,400,000
     04/24/2003    1.50%        25,400,000
     04/25/2003    1.50%        25,400,000
     04/26/2003    1.50%        25,400,000
     04/27/2003    1.50%        25,400,000
     04/28/2003    1.50%        25,400,000
     04/29/2003    1.50%        25,400,000
     04/30/2003    1.50%        25,400,000
     05/01/2003    1.50%        27,900,000
     05/02/2003    1.50%        27,700,000
     05/03/2003    1.50%        27,700,000
     05/04/2003    1.50%        27,700,000
     05/05/2003    1.50%        27,700,000
     05/06/2003    1.50%        27,700,000
     05/07/2003    1.49%        27,700,000
     05/08/2003    1.49%        27,700,000
     05/09/2003    1.49%        27,700,000
     05/10/2003    1.49%        27,700,000
     05/11/2003    1.49%        27,700,000
     05/12/2003    1.49%        27,700,000
     05/13/2003    1.49%        27,700,000
     05/14/2003    1.49%        27,700,000
     05/15/2003    1.49%        27,700,000
     05/16/2003    1.49%        27,700,000
     05/17/2003    1.49%        27,700,000
     05/18/2003    1.49%        27,700,000
     05/19/2003    1.49%        27,700,000
     05/20/2003    1.49%        27,700,000
     05/21/2003    1.49%        28,100,000
     05/22/2003    1.49%        28,100,000
     05/23/2003    1.49%        28,100,000
     05/24/2003    1.49%        28,100,000
     05/25/2003    1.49%        28,100,000
     05/26/2003    1.49%        28,100,000
     05/27/2003    1.49%        28,100,000
     05/28/2003    1.49%        28,100,000
     05/29/2003    1.49%        28,100,000
     05/30/2003    1.49%        28,100,000
     05/31/2003    1.49%        28,100,000
     06/01/2003    1.49%        28,100,000
     06/02/2003    1.49%        28,100,000
     06/03/2003    1.49%        28,100,000
     06/04/2003    1.49%        28,300,000
     06/05/2003    1.49%        28,300,000
     06/06/2003    1.49%        28,300,000
     06/07/2003    1.49%        28,300,000
     06/08/2003    1.49%        28,300,000
     06/09/2003    1.49%        28,300,000
     06/10/2003    1.49%        28,300,000
     06/11/2003    1.49%        28,300,000
     06/12/2003    1.49%        28,300,000
     06/13/2003    1.49%        28,300,000
     06/14/2003    1.49%        28,300,000
     06/15/2003    1.49%        28,300,000
     06/16/2003    1.49%        28,300,000
     06/17/2003    1.49%        28,300,000
     06/18/2003    1.49%        28,300,000
     06/19/2003    1.49%        28,300,000
     06/20/2003    1.49%        28,300,000
     06/21/2003    1.49%        28,300,000
     06/22/2003    1.49%        28,300,000
     06/23/2003    1.37%        28,500,000
     06/24/2003    1.37%        28,500,000
     06/25/2003    1.37%        28,500,000
     06/26/2003    1.37%        28,500,000
     06/27/2003    1.37%        28,500,000
     06/28/2003    1.37%        28,500,000
     06/29/2003    1.37%        28,500,000
     06/30/2003    1.37%        28,500,000