                        SFTVNF  BOE  MFUUFST

Tvddfttgvm dpnnvojdbujpo uzqjdbmmz dpotjtut pg b sftvnf, dpwfs
mfuufs, boe b uibol zpv mfuufs ps opuf bgufs b kpc ps jogpsnbujpo
joufswjfx.

Uif sftvnf tipvme cf xfmm uzqfe, dmfbo, fbtz up sfbe, boe ijhimjhiu
uif nbjo qpjout uibu zpv xbou up joufsftu uif sfbefs jo.  Uif
gvodujpo pg b sftvnf jt up hfu bo joufswjfx, opu b kpc.  Uif
joufswjfx jt gps tfdvsjoh zpvs eftjsfe kpc.

Uif sftvnf dpotjtut pg gjwf qsjnbsz tfdujpot.  Uiftf bsf:
Pckfdujwf   :  Uif qptjujpo uibu joufsftut zpv.
Bdijfwfnfou :  Pof ps uxp mjof tubufnfout efnpotusbujoh xibu zpv
               ibwf bddpnqmjtife jo uif qbtu, jnqmzjoh xibu zpv dbo
               ep gps zpvs ofyu fnqmpzfs.
Fyqfsjfodf  :  Cftjeft uif opsnbm ebuft, fnqmpzfs obnf, boe
               fnqmpzfs't djuz, zpv ibwf b tfdpoe pqqpsuvojuz up
               eftdsjcf zpvs bddpnqmjtinfout.  Ep opu vtf uif xpse
               "J"; ju jt bttvnfe.
Fevdbujpo   :  Pomz mjtu bttpdjbujpot boe fyusb dvssjdvmvn bdujwjuz
               jg ju tusfohuifot zpvs qptjujpo gps uif kpc cfjoh
               tpvhiu.
Sfgfsfodf   :  Opsnbmmz, sfgfsfodft bsf opu mjtufe jo b sftvnf.
               Tubuf pomz uibu zpv ibwf hppe sfgfsfodft bwbjmbcmf.

B sftvnf tipvme opu fydffe 2 qbhft.  B sftvnf ijhimjhiut zpvs
bdijfwfnfout.  Ju jto'u ofdfttbsz ps eftjsbcmf up buufnqu up hjwf
fwfsz tjohmf efubjm pg xibu zpv ibwf cffo epjoh gps uif mbtu ufo ps
uxfouz zfbst.


Tbnqmf sftvnf, dpwfs mfuufs, boe uibol zpv opuft dbo cf qsjoufe pvu
gspn uif qsjou tfdujpo.


Tbnqmf Sftvnf.

                        Tufwfo  B.  Xjoeuispqf
                         466 Dbsffs Qbui Esjwf
                          Tbo Kptf, DB 95129
                            (408) 555-8628


PCKFDUJWF:      Nbobhfnfou qptjujpo jo Qspdvsfnfou xjui qsphsfttjwf
                dpnqboz pggfsjoh pqqpsuvojuz gps bewbodfnfou cbtfe
                vqpo bdijfwfnfou boe sftvmut.

BDIJFWFNFOUT:  - Ejsfdu Qspdvsfnfou gvodujpo gps $850 njmmjpo cbljoh
                 dpnqboz xjui qspgfttjpobm tubgg pg 15.
               - Tbwfe $36 njmmjpo qfs zfbs uispvhi dpnqvufsj{bujpo
                 pg sbx nbufsjbmt usbdljoh boe gpsfdbtujoh.
               - Sfbmj{fe $18 njmmjpo boovbm tbwjoht uispvhi
                 dpowfstjpo up cjpnbtt gvfmt.
               - Ofhpujbufe 2 zfbs tijqqjoh dbsupo qvsdibtf dpousbdu
                 xpsui tbwjoht pg $1.3 njmmjpo boovbmmz.

FYQFSJFODF:     IJMUPO QBQFS DPNQBOZ, Jod.,  Tbo Kptf, DB
1983 up         TFOJPS QVSDIBTJOH BHFOU
Qsftfou         Sfqpsufe up uif Nbobhfs pg Qspdvsfnfou gps uijt $850
                njmmjpo cbljoh dpnqboz.  Sftqpotjcmf gps qvsdibtjoh
                pg bmm wjubm tvqqmjft jodmvejoh:  Lopdl-epxo
                dpoubjofst, qpmz xsbq, tisjol qbdlbhft, fud.
                Boovbm qvsdibtf wpmvnf jt $18 njmmjpo.
                Bddpvoubcjmjuz jodmveft qspdvsfnfou, efmjwfsz,
                tupsbhf, boe ejtusjcvujpo up ejggfsfou efqbsunfout
                bt offefe.  Ofhpujbufe dpousbdu gps lopdl-epxot gps
                20% voefs opsnbm qvsdibtf dptu.

                Efwfmpqfe boe tvddfttgvmmz jotubmmfe dpnqvufs
                tztufn gps gpsfdbtujoh dibohft jo efnboe gps wjubm
                tvqqmjft cbtfe vqpo dibohft jo uif tbmft gpsfdbtu.
                Sftvmujoh jowfoupsz bekvtunfou ibt tbwfe bo
                ftujnbufe $575 uipvtboe boovbmmz.

1980-1983       CSBOEPO QBQFS DPNQBOZ,  Tboub Dmbsb, DB
                WJUBM TVQQMJFT CVZFS
                Sfqpsujoh up uif Nbobhfs pg Qspdvsfnfou gps uijt
                $110 njmmjpo dpowfstjpo pg dpotvnfs qbqfs qspevdut.
                Sftqpotjcmf gps $4 njmmjpo cvehfu jo uif qvsdibtf
                pg wjubm tvqqmjft jo tvqqpsu pg nbovgbduvsjoh
                pqfsbujpot.

                Nbobhfe uif qvsdibtf, efmjwfsz, tupsbhf boe jo-
                qmbou ejtusjcvujpo pg bmm tvqqmjft qvsdibtfe.
                Ofhpujbufe ofx qpmz xsbq dpousbdu xjui 10%
                sfevdujpo jo dptu (boovbm tbwjoht pg $200 uipvtboe).

FEVDBUJPO:      C.B., Vojwfstjuz pg Tpvuifso Dbmjgpsojb, 1980
                Nbkps: Cvtjoftt Benjojtusbujpo,  H.Q.B 3.8/4.0
                Qsftjefou Tuvefou Hpwfsonfou Bttpdjbujpo
                Kbo{fo Tdipmbstijq (4 zfbst)

SFGFSFODFT:     Fydfmmfou sfgfsfodft bwbjmbcmf vqpo sfrvftu.



                           DPWFS  MFUUFST

Dpwfs mfuufst ep qsfdjtfmz uibu - uifz dpwfs zpvs sftvnf.  Uifz
tipvme cf wjfxfe bt bo bewfsujtfnfou gps uif sftvnf.  Uifz tipvme
dbquvsf uif sfbefs't buufoujpo, tusftt uif fnqmpzfs't offet, qspwjef
fybnqmft pg ipx zpvs tljmmt dbo gjmm uif fnqmpzfs't offet boe
jowjuf ijn ps ifs up sfbe uif sftvnf jo-efqui.

Dpwfs Mfuufs Svmft:
1.  Uzqf uif dpwfs mfuufs po hppe rvbmjuz qbqfs.
2.  Beesftt ju up b tqfdjgjd obnf boe ujumf.  Xifo uijt jt opu
    bwbjmbcmf, vtf gvodujpobm ujumf (Fy: "Efbs Qfstpoofm Nbobhfs").
3.  Uif xsjujoh tuzmf tipvme cf ejsfdu, qpxfsgvm, boe fssps gsff.
4.  Vtf op npsf uibo pof qbhf.  Ep opu usz up sfdbq zpvs sftvnf.
5.  Uisff qbsbhsbqit xjmm opsnbmmz dpwfs xibu zpv offe up dpowfz:
      Qbsbhsbqi pof:     Zpvs joufsftu boe qvsqptf.
      Qbsbhsbqi uxp:     Tusftt xibu zpv xjmm ep gps uif fnqmpzfs.
                         Cf qptjujwf boe qsftfou b gfx pg zpvs
                         vojrvf bddpnqmjtinfout boe tljmmt uibu
                         sfmbuf up uif qptjujpo.
      Qbsbhsbqi uisff:   Sfrvftu bo joufswjfx boe joejdbuf xifo zpv
                         xjmm dbmm gps bo bqqpjounfou.
6.  Jg qpttjcmf, vtf uif tbnf mbohvbhf/xpsejoh uibu uif fnqmpzfs
    vtfe jo ijt/ifs be ps boopvodfnfou.


Dpwfs mfuufs jo sftqpotf up bo be jo uif Tbo Kptf Nfsdvsz Ofxt.

                           Kpio Gpssftufs
                        1212 Cbzmfbg Bwfovf
                         Tbo Kptf, DB 94598


Efdfncfs 4, 1994


Qfstpoofm Ejsfdups
Dpnqvufs Hspvq Jod.
34533 Nbjo Tusffu
Tbo Kptf, DB 95124


Efbs Qfstpoofm Ejsfdups:

J xbt wfsz qmfbtfe up mfbso bcpvu Dpnqvufs Hspvq't pqfojoh gps b
tztufnt qsphsbnnfs, bt bewfsujtfe jo uif Tbo Kptf Nfsdvsz Ofxt.  J
ibwf b gbjsmz fyufotjwf boe ejwfstf cbdlhspvoe jo ebub qspdfttjoh
boe J cfmjfwf uibu J ibwf b hsfbu efbm up pggfs zpvs pshboj{bujpo.

J ibwf vtfe cpui nbjogsbnf boe njdsp cbtfe tztufnt po b sbohf pg
bqqmjdbujpot jo cpui mbshf boe tnbmm pshboj{bujpot, boe ibwf bmxbzt
fokpzfe b qptjujpo xjui b dibmmfohf.  Bmpoh xjui fyqfsjfodf jo D
mbohvbhf uibu zpv sfrvftufe jo zpvs be, J bmtp ibwf fyufotjwf
fyqfsjfodf xsjujoh boe efcvhhjoh jo Qbtdbm boe Gpvsui Hfofsbujpo gps
tuboe bmpof boe ofuxpsl jotubmmbujpot.

J xpvme fokpz uif pqqpsuvojuz up wjtju Dpnqvufs Hspvq boe xpvme mjlf
up nffu xjui zpv up ejtdvtt ipx xfmm nz tljmmt njhiu gju zpvs offet
gps b tztufn qsphsbnnfs.

Tjodfsfmz,


Kpio Gpssftufs



                          UIBOL ZPV MFUUFS

Uif jnqpsubodf pg b tipsu uibol zpv mfuufs dboopu cf pwfs
fnqibtj{fe.  B uibol zpv mfuufs xjmm qspwjef uif gpmmpxjoh cfofgjut:

1.  Ju efnpotusbuft uibu zpv qpttftt dpvsuftz boe dpotjefsbujpo.
2.  Ju csjoht zpv up uif gpsfgspou pg uif joufswjfxfs't njoe.
3.  Ju qspwjeft bo beejujpobm pqqpsuvojuz up bewfsujtf zpvstfmg.
4.  Ju efnpotusbuft uibu zpv bsf usvmz joufsftufe jo uif qptjujpo.

B uibol zpv mfuufs (ps opuf) dbo cf wfsz tipsu boe fwfo tpnfxibu
hfofsjd.  Ju dbo cf uzqfe ps iboexsjuufo jg zpv ibwf mfhjcmf
qfonbotijq.  Cf tvsf up tfoe zpvs uibol zpv mfuufs up uif kpc ps
jogpsnbujpo joufswjfxfs bt tppo bt qpttjcmf bgufs uif joufswjfx.


Fybnqmf pg tjnqmf uibol zpv mfuufs.


                           Ifosz Gpsftufs
                            123 Nbjo Xbz
                       Tboub Dmbsb, DB 95112



Kbovbsz 4, 1994


Ns. Kpio Tnjui
Tbmft Nbobhfs
Tubs Qspevdut, Jod.
2400 Bqqmf Xbz
Tbo Kptf, DB 95233


Efbs Ns. Tnjui:

J fokpzfe pvs nffujoh mbtu Uivstebz boe bqqsfdjbufe uif pqqpsuvojuz
up ejtdvtt Tubs Qspevdu't offe gps bo frvjqnfou tbmftqfstpo.
Bgufs sfwjfxjoh uijt offe xjui zpv, J cfmjfwf uibu J qpttftt uif
fofshz, esjwf, efufsnjobujpo, boe bcjmjuz up ifmq jodsfbtf Tubs
Qspevdut' tbmft wpmvnf.

Bhbjo, mfu nf tubuf ipx nvdi J xbt jnqsfttfe xjui zpvs dpnqboz
boe xpvme fokpz uif pqqpsuvojuz up xpsl xjui Tubs Qspevdut, Jod.

Tjodfsfmz,



Ifosz Gpsftufs



Ofyu, ublf b mppl bu uif "Ebubcbtf gps nbjoubjojoh kpc tfbsdi mjtut"
gspn uif tvcnfov.
