From: Erika Kellerhals Sent: Thursday, June 4, 2015 7:56 PM To: jeevacation@gmail.com Subject: ' Question So - we're about to go to contract on an office space =nd we have been talking with the bank. Our options for the loan (15 =ear amortization) are prime + 2.25% for the entire 15 years or 6.25% =ixed for five years and then in year 6 it converts to prime =2.25%. I have =o idea what interest rates are going to do - but I know you have an =dea. Thoughts? Erika A. Kellerhals Member Kellerhals Ferguson =roblin PLLC 9100 Port of Sale Mall, Ste 15 St. Thomas, VI 00802 Notice: This communication may contain =rivileged or other confidential information. If you are not =he intended recipient, or believe that you have received this =ommunication in error, please do not print, copy, re-transmit, =isseminate, or otherwise use this information. Also, please =ndicate to the sender that you have received this e-mail in error, =nd delete the copy you received. Thank you. Circular 230: To =nsure compliance with the requirements imposed by the IRS, we =nform you that any tax advice contained in our =ommunication (including any attachments) was not intended =r written to be used, and cannot be used, for the purpose of =i) avoiding any tax penalty or (ii) promoting, marketing or =ecommending to another party any transaction or matter addressed =erein. EFTA_R1_01625237 EFTA02499103