DATE: October 1, 1992 TO: Friends of the Valley c/o Brenda Cherba, Tom Pierson, George Denke FROM: Frank M. Cedrone, General Partner C.B.G. Limited I was both pleased and very appreciative of the effor ts of so many fine people who came to the assistance of C.B.G. and all of the property owners, both resident and non-resident, here in the Valley of Lakes. The efforts of so many fine people who volunteered their services, in our hour of need was both heartwarming and deeply appreciated. It was appreciated not only by myself, but by everyone who shares the dream of the magnificent community and wonderful lifestyle we are creating. This virtually spontaneous assistance goes beyond being "good neighbors". It evidences good people, with good intentions, demonstrating a willingness to help, when help is sorely needed. Unfortunately however, there are always a select few, who view distress situations as opportunities for personal gain or personal power and use every means available to accomplish their ends. While these people constitute only a minute fraction of the sum total of people involved, they are usually the most vocal, most active and most forceful in achieving their ends, to the detriment of everyone else. The good and well-intentioned people are usually, to coin a phrase, "the silent majority". This is one of the reasons I was so pleased and proud of the name selected by your group, "Friends of the Valley". In addition, it was selected after you had already proven to be true friends of the Valley. I have issued letters of credit, to each and every one of those persons made known to me to have rendered service to the community, by staffing our security gate. A number of the "Friends of the Valley", have even gone beyond that assignment, in rendering assistance in numerous areas of maintenance and other tasks. We fully intend to recognize these efforts, God willing, as conditions permit. At this time, I would like to recognize not only your past efforts, but October 1, 1992 Friends of the Valley Page 2 your ongoing entity as the sole authorized liaison between myself, the staff of C.B.G. Limited and the property owners of the Valley of Lakes. Your chosen representatives will be the only authorized Valley spokepersons for dissemination and distribution of information to property owners, the press and any other chosen media. It is my intention to meet with your representatives weekly, give them access to my staff and introduce them as the representatives of the cooperative Valley of Lakes property owners, to our legal counsel and the management team of our bank. We share a common goal. There need be no secrets between us. We will provide answers to any question concerning the Valley of Lakes property owners and provide you with facts to help dispel any rumors, false statements or fears, that accompany many distress situations. Once again, I want to express my deepest appreciation for all that you have done and are doing. The only promise that I can make to you, is that I will do my best to make this dream come true. This promise I make from the bottom of my heart. Sincerely, /s/ Frank M. Cedrone General Partner FMC/va
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