Scott M. Huber 34 S. Washington St. Naperville, Illinois 60540 November 17, 1993 David Bast Kroehler Branch Executive Naperville Y. M. C. A. Dave: Here is a synopsis of my circumstances and projections as you requested: 1) As you will note on the breakdown of payments for 1993 thus far, there are substantial payments minimally covering two weeks and as much as five weeks at a time on, for the most part, a monthly basis which up to this point seemed to be an amicable arrangement with you. 2) Due to a convergence of especially negative circumstances this year, and especially the last two to three months, the deficit has been caused to increase rather than decrease. However, you will note that at least four times this year I met or exceeded the monthly requirement and on the other dates I paid at least two weeks or more on a monthly basis. 3) The main set backs in my payments to you are circumstances beyond my control, for instance those that come to mind at this time: a) In May of this year my electronics service business suffered a very severe setback due to a dead market response, i.e. almost no business leads and resultantly almost no revenues. Having checked around with other colleagues, distributors and the like in this industry, I found out that the market had gone flat not just for me but for the majority in the electronics service and distribution business industry. As you will note there was no payment made to the Y.M.C.A. in May by direct result. Mid January and through February was also a similar circumstance. b) In August I was caught up in two major circumstances...... (Editor Note: Due to file corruption on the disk on which this letter was stored a few sentences of this letter are missing. As it stands right now until my access rights and the like to my storage, files and property are restored to me I will not be able to accurately fill in the information! During this time I lost the use of my vehicle due a fire that incinerated it rendering it unusable and non-repairable apparently due to an overheated transmission. I probably related that circumstance here with the second circumstance of which I do not recall at this time but may have been the customer service interruption noted below!) ......This caused a major debilitation in my facilitating my customer base and thus delayed my financial circumstances "across the board". I have since facilitated public transportation so to meet my consuming public and financial obligations as best as possible. As you know, to coordinate with an already volatile schedule and additionally coordinate with a public transportation schedule is very tricky and difficult. Same scheduling and coordination has taken some time with which to get efficient. The third major circumstance that has occurred is the immediate demand of liquidation and payment of another creditor from which I rent storage for the bulk of my business circumstances. The bulk of the contents belong to my creditors and have been loaned to me with trust in me to care properly for same. I had to close down my business the early part of October for the purpose of liquidating and eliminating excess material and obsolete material that has accumulated in excess of 13 years so to get my cash outlay to a minimum or greatly reduced and so to prevent the total destruction and loss of those properties stored. I not only was required to reduce my storage but also had to come up with a substantial amount of money so to quell destruction of my remaining property and prevent court action which would force me into a Chapter Seven bankruptcy. Due to no income for approximately 20 days I had to direct any cash accrued immediately there after to that circumstance rather than the Y.M.C.A.. Same circumstance put me seriously behind with our account here. The fourth major circumstance occurred in the second week of October when Illinois Bell shut off two thirds of my phone system and I did not become aware of same until the third week in October. I, due to my good faith record with Illinois Bell over the last 13 years succeeded in getting my system restored without cash but by arrangements. Due to the intensity of meeting customer demands and reorientation to my business circumstances and the confusion created by shutting down for approximately two weeks in October, I lost track of time and over looked a payment arrangement due date with Illinois Bell on October 22, 1993 and the same phone system turned off before was again turned off on October 26, 1993 without any notification to me. I have a verbally and notated agreement with Illinois Bell over the last approximate 10 years by agreement, that before any turn off of phones would accrue, that Illinois Bell would contact me and apprise me of the immediate crisis. Illinois Bell did not and I did not become aware of same turn off until one week later when I called Illinois Bell to review my arrangements so not to miss any. That phone system which involves two phone numbers of which one is in good standing and is remote forwarded into the phone of issue comprises two thirds of my client base. In spite of over twelve years of good faith and payment arrangements Illinois Bell has greatly crippled me and prevents my potential of a more speedy payment to them and other creditors resultantly. The amount of issue that prevented the turn on of the system was $75.00 of $375.00 due. It does not make sense. Additionally, riddled throughout the years have been theft of services. This year alone accrues somewhere in the vicinity of $1,000.00 or more and I have yet to begin collection proceedings or court action. Interference by private parties and government entities who were not in sympathy with my legal pursuits have additionally hampered my financial, reputational, legal and functional efficiencies. For a small business untimely losses can be devastating and have been devastating to any good faith plan that has been set up. I am a victim of circumstances beyond my control and of which many have been fraudulently manufactured by those that want me in just the crises I am now. My business is not highly capitalized and I have outstanding debts in excess of $2 0,000. Most of same debts are amicably arranged at this time. My business is based on a phone call ringing clientele which is not reliable for a standard cash flow each week and thus I have ups and downs and try to jockey my creditor obligations so to keep all happy. It is my goal and has been my goal to get the deficit with you eliminated. Especially until August I was moving swiftly in that direction. I ask you to allow me get over the hump and resume that pattern of earlier this year. I, however, cannot succeed if this institution's employees interfere and prevent the smooth operation of my business. The episode with Jane Bowers interference is just what causes loss of clients in progress not to mention happy paying clients and creditors. The System that was in operation through November 8, 1993 was a very efficient system for both of us but when your employees do not follow through with very simple requests and obstruct my efficiencies I cannot be efficient with you! Lets also keep in mind that there has never been such an influx of U.P.S.- C.O.D. parcels that could be construed as an unusual burden necessitating a special handling. If I have had ten or even twenty C.O.D.s in the last four years that is a fair estimation of the burden. (Less than five a year.) In consideration of a payment plan, the attempts to catch up the first half of this year are representative of a non coerced plan I effected in good faith. I can only promise that I will try to effect a similar record as soon as I stabilize the immediate circumstance above noted. If my total four year picture does not satisfy your circumstances I will attempt to negotiate a private loan for as much as I can and we can renegotiate our circumstances. I need to know that the Y.M.C.A. is in good faith with me and will continue my stay. My private loan sources will consider that issue very carefully, especially if you cannot bear with me in a more gradual accrual of payments as was effected earlier this year. I Remain, Scott M. Huber

Note: This letter is basically identical to the original except for the file corruption above noted and perhaps slight adjustments to spelling and formatting!