<html><head></head><body><div style="color:#000; background-color:#fff; font-family:HelveticaNeue, Helvetica Neue, Helvetica, Arial, Lucida Grande, sans-serif;font-size:16px"><div><span>Wes, I am in the process of setting up my estate, and while I have no expectations of impending doom, I thought I would get that task done.</span></div><div id="yui_3_16_0_1_1455377127070_9185"><span></span><br></div><div id="yui_3_16_0_1_1455377127070_9184"><span id="yui_3_16_0_1_1455377127070_9183">As most of my numerous kids (9) are doing well financially, I intend to pass on a mortgage that I hold, and want to get your feelings on this.</span></div><div id="yui_3_16_0_1_1455377127070_9182"><span></span><br></div><div id="yui_3_16_0_1_1455377127070_9138"><span id="yui_3_16_0_1_1455377127070_9175">As I think I have previously stated, I do not like these one time large gifts included in any year end bonus of staff (unless they had a large input in securing it). But I also like to give some recognition to the party working staff. So, I would like small percent of the yearly take to staff (equally divided) as a bonus on May 15 of each year. (that being my birthday).</span></div><div id="yui_3_16_0_1_1455377127070_9168"><span></span><br></div><div id="yui_3_16_0_1_1455377127070_9174" dir="ltr"><span id="yui_3_16_0_1_1455377127070_9173">If I should get run over by a train today, the mortgage would be about $290,000. The interest rate is 6% per year. The monthly income to the party would be $2,800 per month. The mortgage currently has about 13 years to go.</span></div><div id="yui_3_16_0_1_1455377127070_9172" dir="ltr"><span></span><br></div><div id="yui_3_16_0_1_1455377127070_9170" dir="ltr"><span id="yui_3_16_0_1_1455377127070_9169">As I believe you and several other staff still have the bonus options in your contracts, I wanted to make sure there would be no problem with this. In any case, I expect most of the current staff will have moved on by the time I eventually move out.</span></div><div id="yui_3_16_0_1_1455377127070_9215" dir="ltr"><span></span><br></div><div id="yui_3_16_0_1_1455377127070_9200" dir="ltr"><span id="yui_3_16_0_1_1455377127070_9206">Sincerely, Roland Riemers ND</span><br></div> </div></body></html>