ONE SANSOME STREET, SUITE 3500
SAN FRANCISCO CA 94104-4436
xxx-xxx-xxxx

Chapter18

EIGHTEEN
Kauai -- Kauai -- Florida

     TO THE TRUST of David Nigel …
     To Whom It May Concern:
     Enclosed, please find a cashier’s check in the amount of $100 million. This is to repay the $7.5 million loaned by David Nigel between 2006 and 2008 at five percent per month, compounded annually, through the end of 2012 …

* * *

     Dear Sara and Paul,
     Enclosed, please find a cashier’s check in the amount of $6.4 million. This is to repay the $300,000 loaned by you between 2007 and 2008 at five percent per month, compounded annually, through the end of 2012 …

* * *

     Dear Mom,
     Enclosed, please find a cashier’s check in the amount of $4.8 million. This is to repay the $145,000 loaned by you between 2004 and 2008 at five percent per month, compounded annually, through the end of 2012 …

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