Personal

Jeffrey,

I really hate to ask for your assistance. I'm in need of immediate cash flow and have not been able to mount any savings for sometime. I have had to withdraw some of my 401k to make ends meet and now have to pay the tax penalty and with my credit cards having a healthy balance on them I'm in no position at this time to be able to accomplish this. I also have my son's 18th birthday and his graduation coming up and not to mention my daughter's sweet 16"' birthday and with all this going on I don't know how I can pull this off.

If there is any way that you can provide me with a loan of either $ 15,000 or $ 20,000 that I can pay off at a rate that would work for me I would greatly appreciate it.

And I really do not want you to forgive this loan like you have done in the past I would really like to pay this in full with interest.

Thank you

Emad Hanna

Project Controller

HBRK Associates