Exhibit No. 10(l)(v)


                                WAIVER AGREEMENT


     Waiver Agreement dated as of February 25, 1994 (the "Waiver Agreement")
between QMS, Inc. (the "Company") and each of Connecticut General Life Insurance
Company, Connecticut General Life Insurance Company, on behalf of one or more
separate accounts, and Life Insurance Company of North America (collectively,
the "Holders").

     1.   Reference is hereby made to the Note Agreement dated as of June 30,
1993 (the "Note Agreement") between the Company and the Holder.  All terms used
herein and not otherwise defined herein shall have the respective meanings
ascribed to them in the Note Agreement.

     2.   Subject to the provisions herein contained, the Holder has agreed to
waive certain provisions of the Note Agreement with respect to the Company's
first fiscal quarter ending December 31, 1993.

     3.   The Holder hereby waives any Default or Event of Default which existed
as of the end of the fiscal quarter ending December 31, 1993 resulting from the
Company's non-compliance with Section 7.17 and Section 7.23 of the Note
Agreement as of such date.

     4. If at any time during the 1994 fiscal year of the Company, the Company
shall request of the Holder a waiver of any breach or default of the Company
under the Note Agreement, the Holders shall receive, in the aggregate, a fee in
the amount of $4,500 with respect to such waiver.  The right of the Holders to
receive such fee shall in no way obligate the Holders to grant any waiver and
the Company acknowledges that the granting of any waiver by the Holders is in
the sole and absolute discretion of each of the Holders.

     5.   Except as specifically modified hereby, the Note Agreement shall
remain in full force and effect in accordance with the terms hereof.

     6.   The company hereby represents and warrants that this Waiver Agreement
has been duly authorized by all necessary corporate action on the part of the
company, has been duly executed and delivered on behalf of the Company, and
constitutes the legal, valid and binding obligation of the Company.

     7.   This Waiver Agreement shall not be effective as to any party hereto
until each party hereto shall have executed at least one counterpart hereof.

IN WITNESS WHEREOF, the parties hereto have executed this Waiver Agreement as of
the day and year first above written.

QMS, Inc.


By:/s/Charles D. Daley
  Name: CHARLES D. DALEY
  Title:  EVP FINANCE & ADMINISTRATION



CONNECTICUT GENERAL LIFE INSURANCE COMPANY
By:  CIGNA Investments, Inc.



     By:/s/Edward Lewis
       Name:   EDWARD LEWIS
       Title:  MANAGING DIRECTOR



CONNECTICUT GENERAL LIFE INSURANCE COMPANY, on behalf
  of one or more separate accounts
By:  CIGNA Investments, Inc.



     By:/s/Edward Lewis
       Name:   EDWARD LEWIS
       Title:  MANAGING DIRECTOR



LIFE INSURANCE COMPANY OF NORTH AMERICA
By:  CIGNA Investments, Inc.



     By:/s/Edward Lewis
       Name:   EDWARD LEWIS
       Title:  MANAGING DIRECTOR