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Borrowed $90,000 from First American Bank and Trust by issuing a two-year note payable (Doc. No. 14) with a stated annual interest rate of 5.5%.

Borrowed $90,000 from First American Bank and Trust by issuing a two-year note payable (Doc. No. 14) with a stated annual interest rate of 5.5%. Received an email notification from the bank that the $90,000 proceeds were electronically deposited into Warens checking account. Reviewed the terms and conditions of the note and signed it (Ray Kramer) as the borrower

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