Exhibit 10.24 Business Loan Agreement


    BUSINESS
      LOAN AGREEMENT

    


    
      	
              Principal

              $4,890,000.00

            	
              Loan
                Date

              10-26-2006

            	
              Maturity

               

            	
              Loan
                No

               

            	
              Call
                / Coll

            	
              Account

              MASTER

            	
              Officer

               

            	
              Initials

            
	
              References
                in the shaded area are for Lender’s use only and do not limit the
                applicability of this document to any particular loan or
                item.

              Any
                item above containing “***” has been omitted due to text length
                limitations.

            


    

    


    Borrower:             AT&S
      Holdings, Inc.                     Lender:    BANK
      OF
      THE WEST

                American
      Trailer
& Storage, Inc.                        Kansas
      City BBC #21383

                3505
      Manchester
      Trafficway                          740
      N.W.
      Blue Park Way

                Kansas
      City, MO
      64129                              Lee’s
      Summit, MO 64086

                      
(888)
      457-2692  

     

    


    THIS
      BUSINESS LOAN AGREEMENT dated October 26, 2006, is made and executed between
      AT&S Holdings, Inc.; and American Trailer & Storage, Inc. (“Borrower”)
      and BANK OF THE WEST (“Lender”) on the following terms and conditions. Borrower
      has received prior commercial loans from Lender or has applied to Lender for
      a
      commercial loan or loans or other financial accommodations, including those
      which may be described on any exhibit or schedule attached to this Agreement
      (“Loan”). Borrower understands and agrees that: (A) in granting, renewing, or
      extending any Loan, Lender is relying upon Borrower’s representations,
      warranties, and agreements as set forth in this Agreement; (B) the granting,
      renewing, or extending of any Loan by Lender at all times shall be subject
      to
      Lender’s sole judgment and discretion; and (C) all such Loans shall be and
      remain subject to the terms and conditions of this Agreement.

     

    TERM.
      This
      Agreement shall be effective as of October 26, 2006, and shall continue in
      full
      force and effect until such time as all of Borrower’s Loans in favor of Lender
      have been paid in full, including principal, interest, costs, expenses,
      attorneys’ fees, and other fees and charges, or until such time as the parties
      may agree in writing to terminate this Agreement.

     

    CONDITIONS
      PRECEDENT TO EACH ADVANCE.
      Lender’s
      obligation to make the initial Advance and each subsequent Advance under this
      Agreement shall be subject to the fulfillment to Lender’s satisfaction of all of
      the conditions set forth in this Agreement and in the Related
      Documents.

     

    Loan
      Documents.
      Borrower
      shall provide to Lender the following documents for the Loan: (1) the Note;
      (2)
      Security Agreements granting to Lender security interests in the Collateral;
      (3)
      financing statements and all other documents perfecting Lender’s Security
      Interests; (4) evidence of insurance as required below; (5) together with all
      such Related Documents as Lender may require for the Loan; all in form and
      substance satisfactory to Lender and Lender’s counsel.

     

    Borrower’s
      Authorization.
      Borrower
      shall have provided in form and substance satisfactory to Lender properly
      certified resolutions, duly authorizing the execution and delivery of this
      Agreement, the Note and the Related Documents. In addition, Borrower shall
      have
      provided such other resolutions, authorizations, documents and instruments
      as
      Lender or its counsel, may require.

     

    Payment
      of Fees and Expenses.
      Borrower
      shall have paid to Lender all fees, charges, and other expenses which are then
      due and payable as specified in this Agreement or any Related
      Document.

     

    Representations
      and Warranties.
      The
      representations and warranties set forth in this Agreement, in the Related
      Documents, and in any document or certificate delivered to Lender under this
      Agreement are true and correct.

     

    No
      Event of Default.
      There
      shall not exist at the time of any Advance a condition which would constitute
      an
      Event of Default under this Agreement or under any Related
      Document.

     

    MULTIPLE
      BORROWERS.
      This
      agreement has been executed by multiple obligors who are referred to in this
      Agreement individually, collectively and interchangeably as “Borrower.” Unless
      specifically stated to the contrary, the word “Borrower” as used in this
      Agreement, including without limitation all representations, warranties and
      covenants, shall include all Borrowers. Borrower understands and agrees that,
      with or without notice to any one Borrower, Lender may (A) make one or more
      additional secured or unsecured loans or otherwise extend additional credit
      with
      respect to any other Borrower; (B) with respect to any other Borrower alter,
      compromise, renew, extend, accelerate, or otherwise change one or more times
      the
      time for payment or other terms of any indebtedness, including increases and
      decreases of the rate of interest on the indebtedness; (C) exchange, enforce,
      waive, subordinate, fail or decide not to perfect, and release any security,
      with or without the substitution of new collateral; (D) release, substitute,
      agree not to sue, or deal with any one or more of Borrower’s or any other
      Borrower’s sureties, endorsers, or other guarantors on any terms or in any
      manner Lender may choose; (E) determine how, when and what application of
      payments and credits shall be made on any indebtedness; (F) apply such security
      and direct the order or manner of sale of any Collateral, including without
      limitation, any non-judicial sale permitted by the terms of the controlling
      security agreement or deed of trust, as Lender in its discretion may determine;
      (G) sell, transfer, assign, or grant participations in all or any part of the
      Loan; (H) exercise or refrain from exercising any rights against Borrower or
      others, or otherwise act or refrain from acting; (I) settle or compromise any
      indebtedness; and (J) subordinate the payment of all or any part of any of
      Borrower’s indebtedness to Lender to the payment of any liabilities which may be
      due Lender or others.

     

    REPRESENTATIONS
      AND WARRANTIES.
      Borrower
      represents and warrants to Lender, as of the date of this Agreement, as of
      the
      date of each disbursement of loan proceeds, as of the date of any renewal,
      extension or modification of any Loan, and at all times any Indebtedness
      exists:

     

    Organization.
      AT&S
      Holdings, Inc. is a corporation for profit which is, and at all times shall
      be,
      duly organized, validly existing, and in good standing under and by virtue
      of
      the laws of the State of Nevada. AT&S Holdings, Inc. is duly authorized to
      transact business in all other states in which AT&S Holdings, Inc. is doing
      business, having obtained all necessary filings, governmental licenses and
      approvals for each state in which AT&S Holdings, Inc. is doing business.
      Specifically, AT&S Holdings, Inc. is, and at all times shall be, duly
      qualified as a foreign corporation in all states in which the failure to so
      qualify would have a material adverse effect on its business or financial
      condition. AT&S Holdings, Inc. has the full power and authority to own its
      properties and to transact the business in which it is presently engaged or
      presently proposes to engage. AT&S Holdings, Inc. maintains an office at
      3505 Manchester Trafficway, Kansas City, MO 64129. Unless AT&S Holdings,
      Inc. has designated otherwise in writing, the principal office is the office
      at
      which Borrower keeps its books and records including its records concerning
      the
      Collateral. AT&S Holdings, Inc. will notify Lender prior to any change in
      the location of AT&S Holdings, Inc.’s state of organization or any change in
      AT&S Holdings, Inc.’s name. AT&S Holdings, Inc. shall do all things
      necessary to preserve and to keep in full force and effect its existence, rights
      and privileges, and shall comply with all regulations, rules, ordinances,
      statutes, orders and decrees of any governmental or quasi-governmental authority
      or court applicable to AT&S Holdings, Inc. and AT&S Holdings, Inc.’s
      business activities.

     

    American
      Trailer & Storage, Inc. is a corporation for profit which is, and at all
      times shall be, duly organized, validly existing, and in good standing under
      and
      by virtue of the laws of the State of Missouri. American Trailer & Storage,
      Inc. is duly authorized to transact business in all other states in which
      American Trailer & Storage, Inc. is doing business, having obtained all
      necessary filings, governmental licenses and approvals for each state in which
      American Trailer & Storage, Inc. is doing business. Specifically, American
      Trailer & Storage, Inc. is, and at all times shall be, duly qualified as a
      foreign corporation in all states in which the failure to so qualify would
      have
      a material adverse effect on its business or financial condition. American
      Trailer & Storage, Inc. has the full power and authority to own its
      properties and to transact the business in which it is presently engaged or
      presently proposes to engage. American Trailer & Storage, Inc. maintains an
      office at 3505 Manchester Trafficway, Kansas City, MO 64129. Unless American
      Trailer & Storage, Inc. has designated otherwise in writing, the principal
      office is the office at which American Trailer & Storage, Inc. keeps its
      books and records including its records concerning the Collateral. American
      Trailer & Storage, Inc. will notify Lender prior to any change in the
      location of American Trailer & Storage, Inc. state of organization or any
      change in American Trailer & Storage, Inc. name. American Trailer &
Storage, Inc. shall do all things necessary to preserve and to keep in full
      force and effect its existence, rights and privileges, and shall comply with
      all
      regulations, rules, ordinances, statutes, orders and decrees of any governmental
      or quasi-governmental authority or court applicable to American Trailer &
Storage, Inc. and American Trailer & Storage, Inc. business
      activities.

     

    Assumed
      Business Names.
      Borrower
      has filed or recorded all documents or filings required by law relating to
      all
      assumed business names used by Borrower. Excluding the name of Borrower, the
      following is a complete list of all assumed business names under which Borrower
      does business: None.

     

    Authorization.
      Borrower’s execution, delivery, and performance of this Agreement and all the
      Related Documents have been duly authorized by all necessary action by Borrower
      and do not conflict with, result in a violation of, or constitute a default
      under (1) any provision of Borrower’s articles of incorporation or organization,
      or bylaws, or any agreement or other instrument binding upon Borrower or (2)
      any
      law, governmental regulation, court decree, or order applicable to Borrower
      or
      to Borrower’s properties.

     

    Financial
      Information.
      Each of
      Borrower’s financial statements supplied to Lender truly and completely
      disclosed Borrower’s financial condition as of the date of the statement, and
      there has been no material adverse change in Borrower’s financial condition
      subsequent to the date of the most recent financial statement supplied to
      Lender. Borrower has no material contingent obligations except as disclosed
      in
      such financial statements.

     

    Legal
      Effect.
      This
      Agreement constitutes, and any instrument or agreement Borrower is required
      to
      give under this Agreement when delivered will constitute legal, valid, and
      binding obligations of Borrower enforceable against Borrower in accordance
      with
      their respective terms.

     

    Properties.
      Except
      as contemplated by this Agreement or as previously disclosed in Borrower’s
      financial statements or in writing to Lender and as accepted by Lender, and
      except for property tax liens for taxes not presently due and payable, Borrower
      owns and has good title to all of Borrower’s properties free and clear of all
      Security Interests, and has not executed any security documents or financing
      statements relating to such properties. All of Borrower’s properties are titled
      in Borrower’s legal name, and Borrower has not used or filed a financing
      statement under any other name for at least the last five (5)
      years.

     

    Hazardous
      Substances.
      Except
      as disclosed to and acknowledged by Lender in writing, Borrower represents
      and
      warrants that: (1) During the period of Borrower’s ownership of Borrower’s
      Collateral, there has been no use, generation, manufacture, storage, treatment,
      disposal, release or threatened release of any Hazardous Substance by any person
      on, under, about or from any of the Collateral. (2) Borrower has no knowledge
      of, or reason to believe that there has been (a) any breach or violation of
      any
      Environmental Laws; (b) any use, generation, manufacture, storage, treatment,
      disposal, release or threatened release of any Hazardous Substance on, under,
      about or from the Collateral by any prior owners or occupants of any of the
      Collateral; or (c) any actual or threatened litigation or claims of any kind
      by
      any person relating to such matters. (3) Neither Borrower nor any tenant,
      contractor, agent or other authorized user of any of the Collateral shall use,
      generate, manufacture, store, treat, dispose of or release any Hazardous
      Substance on, under, about or from any of the Collateral; and any such activity
      shall be conducted in compliance with all applicable federal, state, and local
      laws, regulations, and ordinances, including without limitation all
      Environmental Laws. Borrower authorizes Lender and its agents to enter upon
      the
      Collateral to make such inspections and tests as Lender may deem appropriate
      to
      determine compliance of the Collateral with this section of the Agreement.
      Any
      inspections or tests made by Lender shall be at Borrower’s expense and for
      Lender’s purposes only and shall not be construed to create any responsibility
      or liability on the part of Lender to Borrower or to any other person. The
      representations and warranties contained herein are based on Borrower’s due
      diligence in investigating the Collateral for hazardous waste and Hazardous
      Substances. Borrower hereby (1) releases and waives any future claims against
      Lender for indemnity or contribution in the event Borrower becomes liable for
      cleanup or other costs under any such laws, and (2) agrees to indemnify and
      hold
      harmless Lender against any and all claims, losses, liabilities, damages,
      penalties, and expenses which Lender may directly or indirectly sustain or
      suffer resulting from a breach of this section of the Agreement or as a
      consequence of any use, generation, manufacture, storage, disposal, release
      or
      threatened release of a hazardous waste or substance on the Collateral. The
      provisions of this section of the Agreement, including the obligation to
      indemnify, shall survive the payment of the Indebtedness and the termination,
      expiration or satisfaction of this Agreement and shall not be affected by
      Lender’s acquisition of any interest in any of the Collateral, whether by
      foreclosure or otherwise.

     

    Litigation
      and Claims.
      No
      litigation, claim, investigation, administrative proceeding or similar action
      (including those for unpaid taxes) against Borrower is pending or threatened,
      and no other event has occurred which may materially adversely affect Borrower’s
      financial condition or properties, other than litigation, claims, or other
      events, if any, that has been disclosed to and acknowledged by Lender in
      writing.

     

    Taxes.
      To the
      best of Borrower’s knowledge, all of Borrower’s tax returns and reports that are
      or were required to be filed, have been filed, and all taxes, assessments and
      other governmental charges have been paid in full, except those presently being
      or to be contested by Borrower in good faith in the ordinary course of business
      and for which adequate reserves have been provided.

     

    Lien
      Priority.
      Unless
      otherwise previously disclosed to Lender in writing, Borrower has not entered
      into or granted any Security Agreements, or permitted the filing or attachment
      of any Security Interests on or affecting any of the Collateral directly or
      indirectly securing repayment of Borrower’s Loan and Note, that would be prior
      or that may in any way be superior to Lender’s Security Interests and rights in
      and to such Collateral.

     

    Binding
      Effect.
      This
      Agreement, the Note, all Security Agreements (if any), and all Related Documents
      are binding upon the signers thereof, as well as upon their successors,
      representatives and assigns, and are legally enforceable in accordance with
      their respective terms.

     

    AFFIRMATIVE
      COVENANTS.
      Borrower
      covenants and agrees with Lender that, so long as this Agreement remains in
      effect, Borrower will:

     

    Notices
      of Claims and Litigation.
      Promptly
      inform Lender in writing of (1) all material adverse changes in Borrower’s
      financial condition, and (2) all existing and all threatened litigation, claims,
      investigations, administrative proceedings or similar actions affecting Borrower
      or any Guarantor which could materially affect the financial condition of
      Borrower or the financial condition of any Guarantor.

     

    Financial
      Records.
      Maintain
      its books and records in accordance with GAAP, applied on a consistent basis,
      and permit Lender to examine and audit Borrower’s books and records at all
      reasonable times.

     

    Financial
      Statements.
      Furnish
      Lender with the following:

     

    Interim
      Statements.
      As soon
      as available, but in no event later than 20 days after the end of each month,
      Borrower’s balance sheet and profit and loss statement for the period ended,
      prepared by Borrower in form satisfactory to Lender.

     

    Additional
      Requirements.

     

    Annual
      Statements.
      As soon
      as available, but in no event later than April 30th,
      Borrower’s balance sheet and income statement for the year ended, audited by a
      certified public accountant satisfactory to Lender.

     

    All
      financial reports required to be provided under this Agreement shall be prepared
      in accordance with GAAP, applied on a consistent basis, and certified by
      Borrower as being true and correct.

     

    Additional
      Information.
      Furnish
      such additional information and statements, as Lender may request from time
      to
      time.

     

    Financial
      Covenants and Ratios.
      Comply
      with the following covenants and ratios:

     

    Minimum
      Income and Cash flow requirements.
      Borrower
      shall comply with the following cash flow requirements:

     

    Cash
      Flow / Current Maturity (LTD) Ratio. Maintain
      a ratio of Cash Flow / Current Maturity (LTD) in excess of 1.250
      to 1.000.
      The
      ratio “Cash Flow / Current Maturity (LTD)” means Borrower’s Net Profits plus
      Depreciation, Depletion and Amortization divided by Borrower’s Current Portion
      of Long Term Indebtedness.

     

    Other
      Requirements. Debt
      / Worth ratio.
      Maintain
      a ratio of Debt / Worth not in excess of 4.000
      to 1.000.
      The
      ratio “Debt/Worth” means Borrower’s Total Liabilities divided by Borrower’s
      Tangible Net Worth calculated using subordinated debt of owners as
      equity.

     

    Current
      Ratio.
      Maintain
      a Current Ratio in excell of 1.000
      to 1.000.
      The
      term ”Current Ratio” means Borrower’s total Current Assets divided by Borrower’s
      total Current Liabilities less current maturity of subordinated debt less
      outstanding on the $750M guidance line.

     

    Except
      as
      provided above, all computations made to determine compliance with the
      requirements contained in this paragraph shall be made in accordance with
      generally accepted accounting principles, applied on a consistent basis, and
      certified by Borrower as being true and correct.

     

    


     

    Insurance.
      Maintain
      fire and other risk insurance, public liability insurance and such other
      insurance as Lender may require with respect to Borrower’s properties and
      operations, in form, amounts, coverages and with insurance companies acceptable
      to Lender. Borrower, upon request of Lender, will deliver to Lender from time
      to
      time the policies or certificates of insurance in form satisfactory to Lender,
      including stipulations that coverages will not be cancelled or diminished
      without at least ten (10) days prior written notice to Lender. Each insurance
      policy also shall include an endorsement providing that coverage in favor of
      Lender will not be impaired in any way by any act, omission or default of
      Borrower or any other person. In connection with all policies covering assets
      in
      which Lender holds or is offered a security interest for the Loans, Borrower
      will provide Lender with such lender’s loss payable or other endorsements as
      Lender may require.

     

    Insurance
      Reports.
      Furnish
      to Lender, upon request of Lender, reports on each existing insurance policy
      showing such information as Lender may reasonably request, including without
      limitation the following: (1) the name of the insurer; (2) the risks insured;
      (3) the amount of the policy; (4) the properties insured; (5) the then current
      property values on the basis of which insurance has been obtained, and the
      manner of determining those values; and (6) the expiration date of the policy.
      In addition, upon request of Lender (however not more often than annually),
      Borrower will have an independent appraiser satisfactory to Lender determine,
      as
      applicable, the actual cash value or replacement cost of any Collateral. The
      cost of such appraisal shall be paid by Borrower.

     

    Other
      Agreements.
      Comply
      with all terms and conditions of all other agreements, whether now or hereafter
      existing, between Borrower and any other party and notify Lender immediately
      in
      writing of any default in connection with any other such
      agreements.

     

    Loan
      Proceeds.
      Use all
      Loan proceeds solely for Borrower’s business operations, unless specifically
      consented to the contrary by Lender in writing.

     

    Taxes,
      Charges and Liens.
      Pay and
      discharge when due all of its indebtedness and obligations, including without
      limitation all assessments, taxes, governmental charges, levies and liens,
      of
      every kind and nature, imposed upon Borrower or its properties, income, or
      profits, prior to the date on which penalties would attach, and all lawful
      claims that, if unpaid, might become a lien or charge upon any of Borrower’s
      properties, income, or profits.

     

    Performance.
      Perform
      and comply, in a timely manner, with all terms, conditions, and provisions
      set
      forth in this Agreement, in the Related Documents, and in all other instruments
      and agreements between Borrower and Lender. Borrower shall notify Lender
      immediately in writing of any default in connection with any
      agreement.

     

    Operations.
      Maintain
      executive and management personnel with substantially the same qualifications
      and experience as the present executive and management personnel; provide
      written notice to Lender of any change in executive and management personnel;
      conduct its business affairs in a reasonable and prudent manner.

     

    Environmental
      Studies.
      Promptly
      conduct and complete, at Borrower’s expense, all such investigations, studies,
      samplings and testings as may be requested by Lender or any governmental
      authority relative to any substance, or any waste or by-product of any substance
      defined as toxic or a hazardous substance under applicable federal, state,
      or
      local law, rule, regulation, order or directive, at or affecting any property
      or
      any facility owned, leased or used by Borrower.

     

    Compliance
      with Governmental Requirements.
      Comply
      with all laws, ordinances, and regulations, now or hereafter in effect, of
      all
      governmental authorities applicable to the conduct of Borrower’s properties,
      businesses and operations, and to the use or occupancy of the Collateral,
      including without limitation, the Americans With Disabilities Act. Borrower
      may
      contest in good faith any such law, ordinance, or regulation and withhold
      compliance during any proceeding, including appropriate appeals, so long as
      Borrower has notified Lender in writing prior to doing so and so long as, in
      Lender’s sole opinion, Lender’s interests in the Collateral are not jeopardized.
      Lender may require Borrower to post adequate security or a surety bond,
      reasonably satisfactory to Lender, to protect Lender’s interest.

     

    Inspection.
      Permit
      employees or agents of Lender at any reasonable time to inspect any and all
      Collateral for the Loan or Loans and Borrower’s other properties and to examine
      or audit Borrower’s books, accounts, and records and to make copies and
      memoranda of Borrower’s books, accounts and records. If Borrower now or at any
      time hereafter maintains any records (including without limitation computer
      generated records and computer software programs for the generation of such
      records) in the possession of a third party, Borrower, upon request of Lender,
      shall notify such party to permit Lender free access to such records at all
      reasonable times and to provide Lender with copies of any records it may
      request, all at Borrower’s expense.

     

    Environmental
      Compliance and Reports.
      Borrower
      shall comply in all respects with any and all Environmental Laws; not cause
      or
      permit to exist, as a result of an intentional or unintentional action or
      omission on Borrower’s part or on the part of any third party, on property owned
      and/or occupied by Borrower, any environmental activity where damage may result
      to the environment, unless such environmental activity is pursuant to and in
      compliance with the conditions of a permit issued by the appropriate federal,
      state or local governmental authorities; shall furnish to Lender promptly and
      in
      any event within thirty (30) days after receipt thereof a copy of any notice,
      summons, lien, citation, directive, letter or other communication from any
      governmental agency or instrumentality concerning any intentional or
      unintentional action or omission on Borrower’s part in connection with any
      environmental activity whether or not there is damage to the environment and/or
      other natural resources.

     

    Additional
      Assurances.
      Make,
      execute and deliver to Lender such promissory notes, mortgages, deeds of trust,
      security agreements, assignments, financing statements, instruments, documents
      and other agreements as Lender or its attorneys may reasonably request to
      evidence and secure the Loans and to perfect all Security
      Interests.

     

    RECOVERY
      OF ADDITIONAL COSTS. If
      the
      imposition of or any change in any law, rule, regulation or guideline, or the
      interpretation or application of any thereof by any court or administrative
      or
      governmental authority (including any request or policy not having the force
      of
      law) shall impose, modify or make applicable any taxes (except federal, state
      or
      local income or franchise taxes imposed on Lender), reserve requirements,
      capital adequacy requirements or other obligations which would (A) increase
      the
      cost to Lender for extending or maintaining the credit facilities to which
      this
      Agreement relates, (B) reduce the amounts payable to Lender under this Agreement
      or the Related Documents, or (C) reduce the rate of return on Lender’s capital
      as a consequence of Lender’s obligations with respect to the credit facilities
      to which this Agreement relates, then Borrower agrees to pay Lender such
      additional amounts as will compensate Lender therefore, within five (5) days
      after Lender’s written demand for such payment, which demand shall be
      accompanied by an explanation of such imposition or charge and a calculation
      in
      reasonable detail of the additional amounts payable by Borrower, which
      explanation and calculations shall be conclusive in the absence of manifest
      error.

     

    LENDER’S
      EXPENDITURES.
      If any
      action or proceeding is commenced that would materially affect Lender’s interest
      in the Collateral or if Borrower fails to comply with any provision of this
      Agreement or any Related Documents, including but not limited to Borrower’s
      failure to discharge or pay when due any amounts Borrower is required to
      discharge or pay under this Agreement or any Related Documents, Lender on
      Borrower’s behalf may (but shall not be obligated to) take any action that
      Lender deems appropriate, including but not limited to discharging or paying
      all
      taxes, liens, security interests, encumbrances and other claims, at any time
      levied or placed on any Collateral and paying all costs for insuring,
      maintaining and preserving any Collateral. All such expenditures incurred or
      paid by Lender for such purposes will then bear interest at the rate charged
      under the Note from the date incurred or paid by Lender to the date of repayment
      by Borrower. All such expenses will become a part of the Indebtedness and,
      at
      Lender’s option, will (A) be payable on demand; (B) be added to the balance of
      the Note and be apportioned among and be payable with any installment payments
      to become due during either (1) the term of any applicable insurance policy;
      or
      (2) the remaining term of the Note; or (C) be treated as a balloon payment
      which
      will be due and payable at the Note’s maturity.

     

    NEGATIVE
      COVENANTS.
      Borrower
      covenants and agrees with Lender that while this agreement is in effect,
      Borrower shall not, without the prior written consent of the
      Lender:

     

    


     

    
      	 	 	
              Indebtedness
                and Liens. (1)
                Except for trade debt incurred in the normal course of business and
                indebtedness to Lender contemplated by this Agreement, create, incur
                or
                assume indebtedness for borrowed money, including capital leases,
                (2)
                sell, transfer, mortgage, assign, pledge, lease, grant a security
                interest
                in, or encumber any of Borrower’s assets (except as allowed as Permitted
                Liens), or (3) sell with recourse any of Borrower’s accounts, except to
                Lender.

            


    

     

    
      	 	 	 


    

     

    
      	 	 	
              Continuity
                of Operations. (1)
                Engage in any business activities substantially different than those
                in
                which Borrower is presently engaged, (2) cease operations, liquidate,
                merge, transfer, acquire or consolidate with any other entity, change
                it’s
                name, dissolve or transfer or sell Collateral out of the ordinary
                course
                of business, or (3) pay any dividends of Borrower’s stock (other than
                dividends payable in it’s stock), provided, however that notwithstanding
                the foregoing, but only so long as no Event of Default has occurred
                and is
                continuing or would result from the payment of dividends, if Borrower
                is a
                “Subchapter S Corporation” (as defined in the Internal Revenue Code of
                1986, as amended), Borrower may pay cash dividends on it’s stock to it’s
                shareholders from time to time in amounts necessary to enable the
                shareholders to pay income taxes and make estimated income tax payments
                to
                satisfy their liabilities under federal and state law which arise
                solely
                from their status as Shareholders of a Subchapter S Corporation because
                of
                their ownership of shares of Borrower’s stock, or purchase or retire any
                of Borrower’s outstanding shares or alter or amend Borrower’s capital
                structure.

            


    

     

    


     

    
      	 	 	
              Loans,
                Acquisitions and Guaranties. (1)
                Loan, invest in or advance money or assets to any other person, enterprise
                or entity, (2) purchase, create or acquire any interest in any other
                enterprise or entity, or (3) incur any obligation as surety or guarantor
                other than in the ordinary course of business.


            


    

     

    


     

    
      	 	 	
              Agreements.
                Borrower
                will not enter into any agreement containing any provisions which
                would be
                violated or breached by the performance of Borrower’s obligations under
                this Agreement or in connection herewith.


            


    

     

    


     

    CESSATION
      OF ADVANCES.
      If
      Lender has made any commitment to make any Loan to Borrower, whether under
      this
      Agreement or under any other agreement, Lender shall have no obligation to
      make
      Loan Advances or to disburse Loan proceeds if: (A) Borrower or any Guarantor
      is
      in default under the terms of this Agreement or any of the Related Documents
      or
      any other agreement that Borrower or any Guarantor has with Lender; (B) Borrower
      or any Guarantor dies, becomes incompetent or becomes insolvent, files a
      petition in Bankruptcy or similar proceedings, or is adjudged a bankrupt; (C)
      there occurs a material adverse change in Borrower’s financial condition, in the
      financial condition of any Guarantor, or in the value of any Collateral securing
      any Loan; or (D) any Guarantor seeks, claims or otherwise attempts to limit,
      modify or revoke such Guarantor’s guaranty of the Loan or any other loan with
      Lender; or (E) Lender in good faith deems itself insecure, even though no Event
      of Default shall have occurred.

     

    RIGHT
      OF SETOFF.
      To the
      extent permitted by applicable law, Lender reserves a right of setoff in all
      Borrower’s accounts with Lender (whether checking, savings, or some other
      account). This includes all accounts Borrower holds jointly with someone else
      and all accounts Borrower may open in the future. However, this does not include
      any IRA or Keogh accounts, or any trust accounts for which setoff would be
      prohibited by law. Borrower authorizes Lender, to the extent permitted by
      applicable law, to charge or setoff all sums owing on the Indebtedness against
      any and all such accounts, and, at Lender’s option, to administratively freeze
      all such accounts to allow Lender to protect Lender’s charge and setoff rights
      provided in this paragraph.

     

    DEFAULT.
      Each of
      the following shall constitute an Event of Default under this
      Agreement:

     

    Payment
      Default.
      Borrower
      fails to make any payment when due under the Loan.

     

    Other
      Defaults.
      Borrower
      fails to comply with or to perform any other term, obligation, covenant or
      condition contained in this Agreement or in any of the Related Documents or
      to
      comply with or to perform any term, obligation, covenant or condition contained
      in any other agreement between Lender and Borrower.

     

    Default
      in Favor of Third Parties.
      Borrower
      or any Grantor defaults under any loan, extension of credit, security agreement,
      purchase or sales agreement, or any other agreement, in favor of any other
      creditor or person that may materially affect any of Borrower’s or any Grantor’s
      property or Borrower’s or any Grantor’s ability to repay the Loans or perform
      their respective obligations under this Agreement or any of the Related
      Documents.

     

    False
      Statements.
      Any
      warranty, representation or statement made or furnished to Lender by Borrower
      or
      on Borrower’s behalf under this Agreement or the Related Documents is false or
      misleading in any material respect, either now or at the time made or furnished
      or becomes false or misleading at any time thereafter.

     

    Insolvency.
      The
      dissolution or termination of Borrower’s existence as a going business, the
      insolvency of Borrower, the appointment of a receiver for any part of Borrower’s
      property, any assignment for the benefit of creditors, any type of creditor
      workout, or the commencement of any proceeding under any bankruptcy or
      insolvency laws by or against Borrower.

     

    Defective
      Collateralization.
      This
      Agreement or any of the Related Documents ceases to be in full force and effect
      (including failure of any collateral document to create a valid and perfected
      security interest or lien) at any time and for any reason.

     

    Creditor
      or Forfeiture Proceedings.
      Commencement of foreclosure or forfeiture proceedings, whether by judicial
      proceeding, self-help, repossession or any other method, by any creditor of
      Borrower or by any governmental agency against any collateral securing the
      Loan.
      This includes a garnishment of any of Borrower’s accounts, including deposit
      accounts, with Lender. However, this event of Default shall not apply if there
      is a good faith dispute by Borrower as to the validity or reasonableness of
      the
      claim which is the basis of the creditor or forfeiture proceeding and if
      Borrower gives Lender written notice of the creditor or forfeiture proceeding
      and deposits with Lender monies or a surety bond for the creditor or forfeiture
      proceeding, in an amount determined by Lender, in its sole discretion, as being
      an adequate reserve or bond for the dispute.

     

    Events
      Affecting Guarantor.
      Any of
      the preceding events occurs with respect to any Guarantor of any of the
      Indebtedness or any Guarantor dies or becomes incompetent, or revokes or
      disputes the validity of, or liability under, any Guaranty of the Indebtedness.
      In the event of a death, Lender, at its option, may, but shall not be required
      to, permit the Guarantor’s estate to assume unconditionally the obligations
      arising under the guaranty in a manner satisfactory to Lender, and, in doing
      so,
      cure any Event of Default.

     

    Change
      in Ownership.
      Any
      change in ownership of twenty-five percent (25%) or more of the common stock
      of
      Borrower.

     

    Adverse
      Change.
      A
      material adverse change occurs in Borrower’s financial condition, or Lender
      believes the prospect of payment or performance of the Loan is
      impaired.

     

    Insecurity.
      Lender
      in good faith believes itself insecure.

     

    EFFECT
      OF AN EVENT OF DEFAULT.
      If any
      Event of Default shall occur, except where otherwise provided in this Agreement
      or the Related Documents, all commitments and obligations of Lender under this
      Agreement or the Related Documents or any other agreement immediately will
      terminate (including any obligation to make further Loan Advances or
      disbursements), and, at Lender’s option, all Indebtedness immediately will
      become due and payable, all without notice of any kind to Borrower, except
      that
      in the case of an Event of Default of the type described in the “Insolvency”
subsection above, such acceleration shall be automatic and not optional. In
      addition, Lender shall have all the rights and remedies provided in the Related
      Documents or available at law, in equity, or otherwise. Except as may be
      prohibited by applicable law, all of Lender’s rights and remedies shall be
      cumulative and may be exercised singularly or concurrently. Election by Lender
      to pursue any remedy shall not exclude pursuit of any other remedy, and an
      election to make expenditures or to take action to perform an obligation of
      Borrower or of any Grantor shall not affect Lender’s right to declare a default
      and to exercise its rights and remedies.

     

    


     

    ADDITIONAL
      TERMS. Borrower
      agrees to maintain the balance on the Note equal to or less than the Borrowing
      Base at all times. The Borrowing Base shall be calculated at an amount equal
      to
      75% of all Accounts Receivable. Borrower shall provide Lender a monthly
      Borrowing Base Certificate whenever the $250M cline has a balance, but at a
      minimum a quarterly mock borrowing base certificate will be required in a format
      acceptable to Lender.

     

    


     

    MISCELLANEOUS
      PROVISIONS.
      The
      following miscellaneous provisions are a part of this Agreement:

     

    Amendments.
      This
      Agreement, together with any Related Documents, constitutes the entire
      understanding and agreement of the parties as to the matters set forth in this
      Agreement. No alteration of or amendment to this Agreement shall be effective
      unless given in writing and signed by the party or parties sought to be charged
      or bound by the alteration or amendment.

     

    Attorneys’
      Fees; Expenses.
      Borrower
      agrees to pay upon demand all of Lender’s costs and expenses, including Lender’s
      attorneys’ fees and Lender’s legal expenses, incurred in connection with the
      enforcement of this Agreement. Lender may hire or pay someone else to help
      enforce this Agreement, and Borrower shall pay the costs and expenses of such
      enforcement. Costs and expenses include Lender’s attorneys’ fees and legal
      expenses whether or not there is a lawsuit, including attorneys’ fees and legal
      expenses for bankruptcy proceedings (including efforts to modify or vacate
      any
      automatic stay or injunction), and appeals. Borrower also shall pay all court
      costs and such additional fees as may be directed by the court.

     

    Caption
      Headings.
      Caption
      headings in this Agreement are for convenience purposes only and are not to
      be
      used to interpret or define the provisions of this Agreement.

     

    Consent
      to Loan Participation.
      Borrower
      agrees and consents to Lender’s sale or transfer, whether now or later, of one
      or more participation interests in the Loan to one or more purchasers, whether
      related or unrelated to Lender. Lender may provide, without any limitation
      whatsoever, to any one or more purchasers, or potential purchasers, any
      information or knowledge Lender may have about Borrower or about any other
      matter relating to the Loan, and Borrower hereby waives any rights to privacy
      Borrower may have with respect to such matters. Borrower additionally waives
      any
      and all notices of sale of participation interests, as well as all notices
      of
      any repurchase of such participation interests. Borrower also agrees that the
      purchasers of any such participation interests will be considered as the
      absolute owners of such interests in the Loan and will have all the rights
      granted under the participation agreement or agreements governing the sale
      of
      such participation interests. Borrower further waives all rights of offset
      or
      counterclaim that it may have now or later against Lender or against any
      purchaser of such a participation interest and unconditionally agrees that
      either Lender or such purchaser may enforce Borrower’s obligation under the Loan
      irrespective of the failure or insolvency of any holder of any interest in
      the
      Loan. Borrower further agrees that the purchaser of any such participation
      interests may enforce its interests irrespective of any personal claims or
      defenses that Borrower may have against Lender.

     

    Governing
      Law. This Agreement will be governed by federal law applicable to Lender, and
      to
      the extent not preempted by federal law, the laws of the State of Missouri
      without regard to its conflict of law provisions. This Agreement has been
      accepted by Lender in the State of Missouri.

     

    Choice
      of Venue.
      If there
      is a lawsuit, Borrower agrees upon Lender’s request to submit to the
      jurisdiction of the courts of Jackson County, State of Missouri.

     

    Joint
      and Several Liability.
      All
      obligations of Borrower under this agreement shall be joint and several, and
      all
      references to Borrower shall mean each and every Borrower. This means that
      Borrower signing below is responsible for all obligations in this Agreement.
      Where any one or more of the parties is a corporation, partnership, limited
      liability company or similar entity, it is not necessary for Lender to inquire
      into the power of any of the officers, directors, partners, members, or other
      agents acting or purporting to act on the entity’s behalf, and any obligations
      made or created in reliance upon the professed exercise of such powers shall
      be
      guaranteed under this Agreement.

     

    No
      Waiver by Lender.
      Lender
      shall not be deemed to have waived any rights under this Agreement unless such
      waiver is given in writing and signed by Lender. No delay or omission on the
      part of Lender in exercising any right shall operate as a waiver of such right
      or any other right. A waiver by Lender of a provision of this Agreement shall
      not prejudice or constitute a waiver of Lender’s right otherwise to demand
      strict compliance with that provision or any other provision of this Agreement.
      No prior waiver by Lender, nor any course of dealing between Lender and
      Borrower, or between Lender and any Grantor, shall constitute a waiver of any
      of
      Lender’s rights or of any of Borrower’s or any Grantor’s obligations as to any
      future transactions. Whenever the consent of Lender is required under this
      Agreement, the granting of such consent by Lender in any instance shall not
      constitute continuing consent to subsequent instances where such consent is
      required and in all cases such consent may be granted or withheld in the sole
      discretion of Lender.

     

    Notices.
      Any
      notice required to be given under this Agreement shall be given in writing,
      and
      shall be effective when actually delivered, when actually received by
      telefacsimile (unless otherwise required by law), when deposited with a
      nationally recognized overnight courier, or, if mailed, when deposited in the
      United States mail, as first class, certified or registered mail postage
      prepaid, directed to the addresses shown near the beginning of this Agreement.
      Any party may change its address for notices under this Agreement by giving
      formal written notice to the other parties, specifying that the purpose of
      the
      notice is to change the party’s address. For notice purposes, Borrower agrees to
      keep Lender informed at all times of Borrower’s current address. Unless
      otherwise provided or required by law, if there is more than one Borrower,
      any
      notice given by Lender to any Borrower is deemed to be notice given to all
      Borrowers.

     

    Severability.
      If a
      court of competent jurisdiction finds any provision of this Agreement to be
      illegal, invalid, or unenforceable as to any person or circumstance, that
      finding shall not make the offending provision illegal, invalid, or
      unenforceable as to any other person or circumstance. If feasible, the offending
      provision shall be considered modified so that it becomes legal, valid and
      enforceable. If the offending provision cannot be so modified, it shall be
      considered deleted from this Agreement. Unless otherwise required by law, the
      illegality, invalidity, or unenforceability of any provision of this Agreement
      shall not affect the legality, validity or enforceability of any other provision
      of this Agreement.

     

    Subsidiaries
      and Affiliates of Borrower.
      To the
      extent the context of any provisions of this Agreement makes it appropriate,
      including without limitation any representation, warranty or covenant, the
      word
“Borrower” as used in this Agreement shall include all of Borrower’s
      subsidiaries and affiliates. Notwithstanding the foregoing however, under no
      circumstances shall this Agreement be construed to require Lender to make any
      Loan or other financial accommodation to any of Borrower’s subsidiaries or
      affiliates.

     

    Successors
      and Assigns.
      All
      covenants and agreements by or on behalf of Borrower contained in this Agreement
      or any Related Documents shall bind Borrower’s successors and assigns and shall
      inure to the benefit of Lender and its successors and assigns. Borrower shall
      not, however, have the right to assign Borrower’s rights under this Agreement or
      any interest therein, without the prior written consent of Lender.

     

    Survival
      of Representations and Warranties.
      Borrower
      understands and agrees that in extending Loan Advances, Lender is relying on
      all
      representations, warranties, and covenants made by Borrower in this Agreement
      or
      in any certificate or other instrument delivered by Borrower to Lender under
      this Agreement or the Related Documents. Borrower further agrees that regardless
      of any investigation made by Lender, all such representations, warranties and
      covenants will survive the extension of Loan Advances and delivery to Lender
      of
      the Related Documents, shall be continuing in nature, shall be deemed made
      and
      redated by Borrower at the time each Loan Advance is made, and shall remain
      in
      full force and effect until such time as Borrower’s Indebtedness shall be paid
      in full, or until this Agreement shall be terminated in the manner provided
      above, whichever is the last to occur.

     

    Time
      is of the Essence.
      Time is
      of the essence in the performance of this Agreement.

     

    DEFINITIONS.
      The
      following capitalized words and terms shall have the following meanings when
      used in this Agreement. Unless specifically stated to the contrary, all
      references to dollar amounts shall mean amounts in lawful money of the United
      States of America. Words and terms used in the singular shall include the
      plural, and the plural shall include the singular, as the context may require.
      Words and terms not otherwise defined in this Agreement shall have the meanings
      attributed to such terms in the Uniform Commercial Code. Accounting words and
      terms not otherwise defined in this Agreement shall have the meanings assigned
      to them in accordance with generally accepted accounting principles as in effect
      on the date of this Agreement:

     

    Advance.
      The word
“Advance” means a disbursement of Loan funds made, or to be made, to Borrower or
      on Borrower’s behalf on a line of credit or multiple advance basis under the
      terms and conditions of this Agreement.

     

    Agreement.
      The word
“Agreement” means this Business Loan Agreement, as this Business Loan Agreement
      may be amended or modified from time to time, together with all exhibits and
      schedules attached to this Business Loan Agreement from time to
      time.

     

    Borrower.
      The word
“Borrower” means American Trailer & Storage, Inc. and includes all
      co-signers and co-makers signing the Note.

     

    Collateral.
      The word
“Collateral” means all property and assets granted as collateral security for a
      Loan, whether real or personal property, whether granted directly or indirectly,
      whether granted now or in the future, and whether granted in the form of a
      security interest, mortgage, collateral mortgage, deed of trust, assignment,
      pledge, crop pledge, chattel mortgage, collateral chattel mortgage, chattel
      trust, factor’s lien, equipment trust, conditional sale, trust receipt, lien,
      charge, lien or title retention contract, lease or consignment intended as
      a
      security device, or any other security or lien interest whatsoever, whether
      created by law, contract, or otherwise.

     

    Environmental
      Laws.
      The
      words “Environmental Laws” mean any and all state, federal and local statutes,
      regulations and ordinances relating to the protection of human health or the
      environment, including without limitation the Comprehensive Environmental
      Response, Compensation, and Liability Act of 1980, as amended, 42 U.S.C. Section
      9601, et seq. (“CERCLA”), the Superfund Amendments and Reauthorization Act of
      1986, Pub. L. No. 99-499 (“SARA”), the Hazardous Materials Transportation Act,
      49 U.S.C. Section 1801, et seq., the Resource Conservation and Recovery Act,
      42
      U.S.C. Section 6901, et seq., or other applicable state or federal laws, rules,
      or regulations adopted pursuant thereto.

     

    Event
      of Default.
      The
      words “Event of Default” mean any of the events of default set forth in this
      Agreement in the default section of this Agreement.

     

    GAAP.
      The word
“GAAP” means generally accepted accounting principles.

     

    Grantor.
      The word
“Grantor” means each and all of the persons or entities granting a Security
      Interest in any Collateral for the Loan, including without limitation all
      Borrowers granting such a Security Interest.

     

    Guarantor.
      The word
“Guarantor” means any guarantor, surety, or accommodation party of any or all of
      the Loan.

     

    Guaranty.
      The word
“Guaranty” means the guaranty from Guarantor to Lender, including without
      limitation a guaranty of all or part of the Note.

     

    Hazardous
      Substances.
      The
      words “Hazardous Substances” mean materials that, because of their quantity,
      concentration or physical, chemical or infectious characteristics, may cause
      or
      pose a present or potential hazard to human health or the environment when
      improperly used, treated, stored, disposed of, generated, manufactured,
      transported or otherwise handled. The words “Hazardous Substances” are used in
      their very broadest sense and include without limitation any and all hazardous
      or toxic substances, materials or waste as defined by or listed under the
      Environmental Laws. The term “Hazardous Substances” also includes, without
      limitation, petroleum and petroleum by-products or any fraction thereof and
      asbestos.

     

    Indebtedness.
      The word
“Indebtedness” means the indebtedness evidenced by the Note or Related
      Documents, including all principal and interest together with all other
      indebtedness and costs and expenses for which Borrower is responsible under
      this
      Agreement or under any of the Related Documents.

     

    Lender.
      The word
“Lender” means BANK OF THE WEST, its successors and assigns.

     

    Loan.
      The word
“Loan” means any and all loans and financial accommodations from Lender to
      Borrower whether now or hereafter existing, and however evidenced, including
      without limitation those loans and financial accommodations described herein
      or
      described on any exhibit or schedule attached to this Agreement from time to
      time.

     

    Note.
      The word
“Note” means and includes without limitation all of the Borrower’s promissory
      notes and/or credit agreements, whether now or hereafter existing, evidencing
      Borrower’s loan obligations in favor of Lender, together with all renewals of,
      extensions of, modifications of, refinancings of, consolidations of, and
      substitutions for promissory notes and/or credit agreements. 

     

    


     

    Permitted
      Liens. The
      words
“Permitted Liens” mean (1) liens and security interests securing Indebtedness
      owed by Borrower to Lender; (2) liens for taxes, assessments, or similar charges
      either not yet due or being contested in good faith; (3) liens of materialmen,
      mechanics, warehousemen, or carriers, or other like liens arising in the
      ordinary course of business and securing obligations which are not yet
      delinquent; (4) purchase money liens or purchase money security interests upon
      or in any property acquired or held by Borrower in the ordinary course of
      business to secure indebtedness outstanding on the date of this Agreement or
      permitted to be incurred under the paragraph of this Agreement titled
“indebtedness and Liens”; (5) liens and security interests which, as of the date
      of this Agreement, have been disclosed to and approved by the Lender in writing;
      and (6) those liens and security interests which in the aggregate constitute
      an
      immaterial and insignificant monetary amount with respect to the net value
      of
      Borrower’s assets.

     

    


     

    Related
      Documents.
      The
      words “Related Documents” mean all promissory notes, credit agreements, loan
      agreements, environmental agreements, guaranties, security agreements,
      mortgages, deeds of trust, security deeds, collateral mortgages, and all other
      instruments, agreements and documents, whether now or hereafter existing,
      executed in connection with the Loan.

     

    Security
      Agreement.
      The
      words “Security Agreement” mean and include without limitation any agreements,
      promises, covenants, arrangements, understandings or other agreements, whether
      created by law, contract, or otherwise, evidencing, governing, representing,
      or
      creating a Security Interest.

     

    Security
      Interest.
      The
      words “Security Interest” mean, without limitation, any and all types of
      collateral security, present and future, whether in the form of a lien, charge,
      encumbrance, mortgage, deed of trust, security deed, assignment, pledge, crop
      pledge, chattel mortgage, collateral chattel mortgage, chattel trust, factor’s
      lien, equipment trust, conditional sale, trust receipt, lien or title retention
      contract, lease or consignment intended as a security device, or any other
      security or lien interest whatsoever whether created by law, contract, or
      otherwise.

     

    ORAL
      AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT OR TO FOREBEAR FROM
      ENFORCING REPAYMENT OF A DEBT INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT
      ARE NOT ENFORCEABLE. TO PROTECT YOU (BORROWER(S) AND US (LENDER) FROM
      MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE REACH COVERING SUCH
      MATTERS ARE CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE AND EXCLUSIVE
      STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING
      TO MODIFY IT.

     

    WAIVE
      JURY. All parties to this Agreement hereby waive the right to any jury trial
      in
      any action, proceeding, or counterclaim brought by any party against any other
      party.

     

    BORROWER
      ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS BUSINESS LOAN AGREEMENT
      AND
      BORROWER AGREES TO ITS TERMS. THIS BUSINESS LOAN AGREEMENT IS DATED October
      26,
      2006.

     

    BORROWER:

    


    


    AT&S
      HOLDINGS, INC.

    


    


    By:
        //S//    

    Richard
      G. Honan II, President/Secretary of AT&S Holdings, Inc. 

    


    


     

    


    AMERICAN
      TRAILER & STORAGE, INC.

    


    


    By:
        //S//   

    Richard
      G. Honan II, President/Secretary of American Trailer & Storage,
      Inc.

    


    


       

    LENDER:

    


    


    BANK
      OF
      THE WEST

    


    


    By:
        //S// 

    Jeff
      Keyes, CBO Relationship Manager