Exhibit 99.3 February 25, 2003 J. Patrick Nicholson Michael Nicholson Timothy Nicholson Robert Nicholson Re: Credit Enhancement Dear Messrs. Nicholson: This letter confirms the agreement reached between each of you and N-Viro International...N-Viro International Corp • March 4th, 2003 • Patent owners & lessors
Exhibit 99.1 BUSINESS LOAN AGREEMENT Agreement by and between Monroe Bank & Trust, of 102 E. Front Street, Monroe, Michigan 48161 (herein termed "Bank"), and N-Viro International Corporation, a Delaware corporation of 3450 W. Central Ave. Suite 328...Business Loan Agreement • March 4th, 2003 • N-Viro International Corp • Patent owners & lessors
