EXHIBIT 10.20
-------------
SCHEDULE 10.20 IDENTIFYING CONTRACTS THAT ARE SUBSTANTIALLY SIMILAR TO EXHIBIT
10.19 IN ALL MATERIAL RESPECTS EXCEPT AS TO THE PARTIES THERETO, THE DATES OF
EXECUTION AND THE LOAN AMOUNT
--------------------------------------- ----------------------------------------
Date Loan Amount
--------------------------------------- ----------------------------------------
December 3, 2002 $5,000
--------------------------------------- ----------------------------------------
December 3, 2002 $5,000
--------------------------------------- ----------------------------------------
December 3, 2002 $5,000
--------------------------------------- ----------------------------------------
December 9, 2002 $5,000
--------------------------------------- ----------------------------------------
December 23, 2002 $15,000
--------------------------------------- ----------------------------------------
December 24, 2002 $35,000
--------------------------------------- ----------------------------------------
December 24, 2002 $25,000
--------------------------------------- ----------------------------------------
December 27, 2002 $10,000
--------------------------------------- ----------------------------------------
January 17, 2003 $25,000
--------------------------------------- ----------------------------------------
January 24, 2003 $10,000
--------------------------------------- ----------------------------------------
January 28, 2003 $10,000
--------------------------------------- ----------------------------------------
January 31, 2003 $25,000
--------------------------------------- ----------------------------------------
February 3, 2003 $50,000
--------------------------------------- ----------------------------------------
February 12, 2003 $25,000
--------------------------------------- ----------------------------------------
100