Subject: File No. DF - Other Initiatives
From: Jack Zaban
Affiliation: CPA

August 2, 2010

Leverage of all institutions has to be maintained at a conservative level.
Audit of leverage must be conducted.
If levels of leverage are not maintained then the result is an orderly dissolution of the entity.
If this was a part of the law (leverage) then the issues that we are dealing with would have been limited.

Jack Zaban