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<br />IlsURFACE~ <br /> <br />LOCALLY <br /> <br />OWNED <br /> <br />October 9,2002 <br /> <br />CWCB Water Project Planning & Finance <br />Attn: Ms. Jan Illian <br />1580 Logan St., Suile 750 <br />Denver, CO 80203 <br /> <br />Re: John Niblack, DBA: Four Seasons Trout Farm <br /> <br />Dear Ms, IIlian: <br /> <br />Per our conversation, I am sending this letter to you to verify Surface Creek Bank Center's intent to <br />subordinate our lien position on Mr. Niblacks Fish Hatchery for the approximate amount of$85,000. <br />When you are nearing the loan closing date, please fax me a copy of the subordination agreement for my <br />review, <br /> <br />If you have any questions, Please feel free to call me at 970-856-8600. <br /> <br />Respectfully, <br /> <br /> <br />, <br /> <br />~l <br /> <br />Derek R. Keluneier <br />Vice President - Surface Creek Bank <br /> <br />Surface Creek Bank Center. Montrose Bank <br />P.O. Box 490 . 945 S. Grand Mesa Drive. Cedaredge, Colorado 81413 . Phone: 970.856.8600 . Fax: 970.874.7333 <br />MEM8ER FDIC <br />