<table><tr><th>From:</th><th>Erika Kellerhals</th></tr><tr><td>Sent:</td><td>Thursday, June 4, 2015 7:56 PM</td></tr><tr><td>To:</td><td>jeevacation@gmail.com</td></tr><tr><td>Subject: '</td><td>Question</td></tr></table>

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

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