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With a copy to: <br /> <br />Husch & Eppenberger <br />100 North Broadway, Suite 1300 <br />St. Louis, Missouri 63102 <br />Attention: Gregory R. Smith, Esq. <br /> <br />If to the Commission: <br /> <br />Tax Increment Financing Commission <br /> of the City of University City, Missouri <br />6801 Delmar Boulevard, Fourth Floor <br />University City, Missouri 63130 <br />Attention: Jim Holtzman <br /> <br />If to the Bank: <br /> <br />Royal Banks of Missouri <br />8021 Olive Boulevard <br />University City, Missouri 63130 <br />Attention: Joseph Ciaravino <br /> <br />or to any other address as the parties hereto may designate in <br />writing in compliance with the notice provisions of this Section <br />4. All such notices and other communications shall be effective <br />when properly addressed as provided herein and (i) if mailed, <br />when deposited in the United States Mail, registered or certified <br />mail, postage prepaid, return receipt requested, or (ii) if <br />delivered, when received by the addresses hereunder. <br /> <br /> Section 5. Mo. Rev. Stat. Section 432,045 Required <br />Statement. "Oral agreements or commitments to lend money, extend <br />credit or to forbear from enforcing repayment of a debt including <br />promises to extend or renew such debt are not enforceable. To <br />protect you (borrower(s)) and us (creditor) from misunderstanding <br />or disappointment, any agreements we reach covering such matters <br />are contained in this writing, which is the complete and <br />exclusive statement of the agreement between us, except as we may <br />later agree in writing to modify it." <br /> <br />STL-777"~ <br /> <br />- 4 - <br /> <br /> <br />