J11, QuadRJl1. Mirek EFTA00600380 I t e — INNOVATIVE I\ Innovative Communication Corporation 4006 Estate Diamond Christiansted, USVI 00820 Tern Highfieid February 4, 2005 Financial Trust Company do Cecil DeJongh 6100 Red Hook Quarter B-3 St. Thomas, USVI 00802 Dear Mrs. DeJongh: Memorandum The