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<br />CARLSON, HAMMOND & PADDOCK, L.L.C. <br /> <br />CWCB <br />November 19, 2002 <br />Page 2 <br /> <br />(f) Assuming valid execution and implementation by the Colorado Water Conservation <br />Board, the Loan Documents are valid and binding against the Company, subject, however, to the <br />effect of, and to restrictions and limitations imposed by or resulting from, bankruptcy, insolvency, <br />moratorium, reorganization, debt adjustment or other similar laws affecting creditors' rights <br />generally ("Creditor's Rights Limitations") heretofore or hereafter enacted. <br /> <br />Very truly yours, . <br />, //1/J iJ <br />,1'17,'") //JM/j !f}?-.YiM- <br /> <br />Mary Mead Hammond <br /> <br />cc: Robert Robler, President, <br />Allen Ringle, Corporate Secretary and Manager, <br />Lake Henry Reservoir Company <br /> <br />MMH:acj 695 (24) COlT <br />