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     I, __________________________________________ (the Client),

hereby hold the signer ______________________________________________

of this _____________________________________  Affidavit harmless as a result
of any acts or decisions made in respect to the duties created by this
agreement, if such decisions or acts are reasonably made and made in my best
interests (as I have expressed in my contracts and other writings and

     I further agree that such hold harmless shall be binding on my heirs and
personal representatives.

     My notarized signature below affirms that I have read and agreed to the
statements made herein.

     Signature of Client
     STATE OF _____________________________) SS.
     COUNTY OF ____________________________)

     On this the ________ day of _______________________, 19____,

     before me, ________________________________________________,

     the undersigned Notary Public, personally appeared


     ___ personally known to me
     ___ proved to me on the basis of satisfactory evidence to be
     the person whose name is subscribed to the within instrument,
     and acknowledged that s/he executed it.
     WITNESS my hand and official seal.

     Notary's Signature


              NOTARY PUBLIC

     My Commission Expires:               My County of Residence is:

     _____________________               __________________________