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Forbearance Agreement


4/1/2004 - Second Forbearance Agreement - Red Brook Developments Ltd., Visual Bible International Inc. and Visual Bible International (Canada) Inc. and The Book of John Inc.

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2/19/2004 - Forbearance Agreement - Red Brook Developments Ltd., Visual Bible International Inc. and Visual Bible International (Canada) Inc. and The Book of John Inc.

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11/14/2003 - Forbearance Agreement - Opinion Research Corp., ORC Inc. and Heller Financial Inc.

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3/24/2003 - Forbearance Agreement - IBM Credit LLC, Applied Digital Solutions Inc. and Digital Angel Share Trust

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6/28/2002 - Temporary Forbearance Agreement - Ladenburg Thalmann Financial Services Inc., New Valley Capital Corp., Frost-Nevada Investments Trust and Berliner Effektengesellschaft AG

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2/8/2001 - Forbearance Letter - FINOVA Capital Corp. and and Telco Billing Inc.

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6/1/2000 - Forbearance and Consent Agreement to Credit and Reimbursement Agreement - Sanwa Bank California and Keybank NA and ATG Inc.

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5/31/1997 - Asset Purchase and Forbearance Agreement - Ketchum Communications Inc. and THINK New Ideas Inc.

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