ssarily represent those of the company. EFTA00313197 BANCO POPULAR DE PUERTO RICO CLOSING COST SUMMARY AND DISBURSEMENT AUTHORIZATION BORROWER: IGY - AYH ST. THOMAS HOLDINGS, LLC CLOSING DATE: August 2007 LOAN AMOUNT: $15,300,000 CLOSING COSTS AND DISBURSEMENTS FROM LOAN: 1. TO BANCO POPULAR DE PUER

ued interest to the date of final payment. OPTION II Term: Seven (7) years, based on a twenty five (25) year amortization schedule. EFTA00803921 IGY - AYH ST. THOMAS HOLDINGS, LLC. PAGE 2 Repayment Schedule: The loan shall be repaid as follows: (i) Eighty Three (83) consecutive monthly installments of

ued interest to the date of final payment. OPTION II Term: Seven (7) years, based on a twenty five (25) year amortization schedule. EFTA00615081 IGY - AYH ST. THOMAS HOLDINGS, LLC. PAGE 2 Repayment Schedule: The loan shall be repaid as follows: (i) Eighty Three (83) consecutive monthly installments of