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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. his letter is not ail- 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. 'Ne look forward to the opportunity to serve <br />your financial needs. <br />Sincerely <br />cry <br />JeftL . Hagen <br />Senior Vice President <br />- 1 2 - <br />