EFTA02440895

To: Paul Lachma ' John- Boy O'Sulliya Eric Cowa From: Sarah Sent Tue 8/4/2009 4:41:06 PM Subject Fw: DoY Loan interest obligations This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error please notify the sender immediately. From: "John Adams" Date: Tuc, 4 Aug 2009 17:47:59 +0100 To: 'Paul Lachman' Subject: DoY Loan interest obligations Loan interest obligations for David Stem Tim Headington Loan $1.5m The Borrower promises to pay to the Holder all outstanding principal and all accrued but unpaid interest due under this Promissory Note (this "Note") on December 31, 2009. El Pacara Mortgage Agreement Loan of US$ 694,368 to be funded in two Tranches Tranche I US$ 626,368 and Tranche II US$68,000. The Loan is granted for a maximum term of 360 months counted from the advance of the Tranche I and expiring on February 1u, 2039 (the "Loan Term") and bears interests at a rate per annum of 8%. The Borrower agrees to pay the whole amount of the Loan plus the accrued interests calculated at the Interest Rate, as follows: Tranche I, in three hundred and sixty (360) equal, consecutive, monthly installments each of US$ 4,597 Tranche II, in equal, monthly installments of an amount equal to the result of dividing the total amount advanced in Tranche 2 by the number of months remaining until the completion of the Loan. EFTA_R1_01515069 EFTA02440895 Drummonds Bank Ll m Facility terms I. Facility Type Ten-year Interest only Personal Term Loan. Initial reduction of 150,000 by 31/03/2009 followed by 9 x annual capital reduction of £100,000 commencing 31/12/2009. A final reduction of £104,000 will be required on 31/12/2018 2. Amount L1,154,000 3. Purpose £505,000 for repayment of existing overdraft and £649,000 to be used to convert to USS to assist you with Hartmoor buy out 4. Term 10 years 5. Interest Base +1 % on first £500,000 of exposure whilst guarantee remains in place. Balance of exposure beyond £500,000 to be charged at a rate of Base+2.50%. Base Rate is currently 0.5% but may vary from time to time Interest paid quarterly March, June, September & December Patrick Coakley $100k Draft I am holding does not specify a date for repayment nor interest payment dates. Kind regards John Adams This e-mail and its contents cre Intended for the use of the arddressee(s) and may be confidential/privileged. No-one else may review. copy. disclose or otherwise use it or its contents. If you receive this e-mail in error, please contact the originator and EFTA_R1_01515070 EFTA02440896 delete it as soon as possible. EFTA_R1_01515071 EFTA02440897