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State of Colorado <br /> The Department of Natural Resources <br /> Colorado Water Conservation Board <br /> February 17,2014 <br /> Page 4 <br /> (f) The Federal Clean Water Act; <br /> (g) The Federal Water Pollution Control Act; <br /> (h) The Solid Waste Disposal Act; and <br /> (i) Any state or local laws, regulations, rules or ordinance governing environmental,water <br /> and/or sewer. <br /> H. Fraud. We have assumed that none of the parties upon whom we have relied for purposes of <br /> this opinion letter have perpetrated a fraud upon our firm or upon the attorneys in our firm. <br /> I. Financial, Accounting or Statistical Information. We have made no examination or <br /> investigation to verify the accuracy or completeness of any financial, accounting or statistical <br /> information and express no opinion with respect thereof. <br /> J. Licensed In Colorado. For purposes of this opinion, we are licensed to practice law only in <br /> the State of Colorado, and express no opinion with respect to the effect of any laws other <br /> than the laws of the State of Colorado and the United States upon the validity and binding <br /> effect of the Loan Documents and the other matters contained in this opinion letter. <br /> K. Use of Opinions. Our opinion is limited in its use to reliance by the addressees and their <br /> counsel in connection with the loan transaction. No other use or distribution of this opinion <br /> may be made without our prior written consent. <br /> L. Subsequent Events. We assume and have no obligation to update this opinion letter for <br /> events occurring subsequent to the date of this letter. <br /> Please do not hesitate to contact us if we may be of further assistance to you in your analysis of <br /> the Loan to the Association. <br /> Sincerely, <br /> -141.All' <br /> Aaron Goo./k <br /> ORTEN CA ANAGH &HOLMES, LLC <br /> c:Board of Directors,Big Elk Meadows Association <br />