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FIRST AMERICAN <br />As previously noted, this letter is for the purpose of discussing the various terms and conditions <br />of the proposed loan. This letter is not all-inclusive with regard to all matters concerning the <br />aforementioned transaction. However, it is intended to serve as a basis for discussion and the <br />development of a mutually acceptable agreement. We cook forward to the opportunity to serve <br />your financial needs. <br />Sincerely <br />Je .Hagen <br />Senior Vice President <br />15 <br />