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<DIV>Hi All and Happy New Year,</DIV>
<DIV> I am soliciting agenda items for the scheduled YRHC
meeting on Tuesday Jan. 20. I do not have anything burning at the
moment, but will send out an update of the progress of things before then
as I did last month.</DIV>
<DIV> If you do not have items that need group
attention, we will not hold a meeting that night just for the sake of
meeting. There is a request pending for a YRHCorp meeting at
some point to review YRHASC needs. You will be notified when we can pick a
date for that.</DIV>
<DIV> Please let me know by Wed. Jan. 14 if you have
items that warrant a meeting so that I may schedule or cancel as
needed. </DIV>
<DIV> </DIV>
<DIV> Judy Paolini has put me in touch with an
acquaintance at Bangor Savings Bank which I have followed up concerning loans
for YRHCorp properties.</DIV>
<DIV> </DIV>
<DIV><STRONG> That aside, Bangor Savings is right
now offering conventional 30 year fixed mortgages at 4.85% with NO
points. That is as good as it gets
folks.</STRONG> <STRONG> Local contact:</STRONG></DIV>
<DIV> </DIV>
<DIV>
<DIV>
<P class=MsoNormal><EM><B><I><U><FONT face=Georgia color=blue size=4><SPAN
style="FONT-WEIGHT: bold; FONT-SIZE: 13.5pt; COLOR: blue; FONT-FAMILY: Georgia">Cecilia
Estrada</SPAN></FONT></U></I></B></EM><FONT color=navy><SPAN
style="COLOR: navy"><o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><U><FONT face=Georgia color=blue size=4><SPAN
style="FONT-SIZE: 13.5pt; COLOR: blue; FONT-FAMILY: Georgia">Bangor Savings
Bank</SPAN></FONT></U><FONT color=navy><SPAN
style="COLOR: navy"><o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><EM><B><I><FONT face=Georgia color=#800040 size=3><SPAN
style="FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: #800040; FONT-FAMILY: Georgia">Mortgage
Development Officer</SPAN></FONT></I></B></EM><FONT color=navy><SPAN
style="COLOR: navy"><o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><EM><B><I><FONT face=Georgia color=#800040 size=3><SPAN
style="FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: #800040; FONT-FAMILY: Georgia">241
<st1:country-region w:st="on"><st1:place
w:st="on">U.S.</st1:place></st1:country-region> Route One
</SPAN></FONT></I></B></EM><FONT color=navy><SPAN
style="COLOR: navy"><o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><st1:place w:st="on"><EM><B><I><FONT face=Georgia
color=#800040 size=3><SPAN
style="FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: #800040; FONT-FAMILY: Georgia">Scarborough</SPAN></FONT></I></B></EM></st1:place><EM><B><I><FONT
face=Georgia color=#800040><SPAN
style="FONT-WEIGHT: bold; COLOR: #800040; FONT-FAMILY: Georgia">,
Me.04074</SPAN></FONT></I></B></EM><FONT color=navy><SPAN
style="COLOR: navy"><o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><EM><B><I><FONT face=Georgia color=#800040 size=3><SPAN
style="FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: #800040; FONT-FAMILY: Georgia">207-541-2779
direct</SPAN></FONT></I></B></EM><FONT color=navy><SPAN
style="COLOR: navy"><o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><EM><B><I><FONT face=Georgia color=#800040 size=3><SPAN
style="FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: #800040; FONT-FAMILY: Georgia">207-212-0901
Cell</SPAN></FONT></I></B></EM><FONT color=navy><SPAN
style="COLOR: navy"><o:p></o:p></SPAN></FONT></P>
<P class=MsoNormal><EM><B><I><FONT face=Georgia color=#800040 size=3><SPAN
style="FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: #800040; FONT-FAMILY: Georgia">207-883-8647
Fax</SPAN></FONT></I></B></EM><o:p></o:p></P></DIV> </DIV></FONT><BR><BR><BR><DIV CLASS="aol_ad_footer" ID="5b511346696eae4ddd22d26d31a4b793"><FONT style="color: black; font: normal 10pt ARIAL, SAN-SERIF;"><HR style="MARGIN-TOP: 10px">New year...new news. Be the first to know what is making <a href="http://news.aol.com?ncid=emlcntusnews00000002">headlines</a>.</FONT></DIV></BODY></HTML>