Borrowed $$90,000$ from First American Bank and Trust by issuing a two$-$year note

payable $($Doc$.$ No$.14)$ with a stated annual interest rate of $5\mathrm{.}5\%.$ Received an email notification from the bank that the $$90,000$ proceeds were electronically deposited

into Waren$$s checking account. Reviewed the terms and conditions of the note and

signed it $($Ray Kramer$)$ as the borrower.