NSAV Holding Inc (NSAV)

[SilverBay Holdings]

REPLY FROM IR REGARDING DEBT:

Mr. XXX,

First of all we at Pyrotree thank you and all shareholders for the support and commitment to helping us grow!

Second, As in the Press Release the Notes are now payable at face value (NO Premium). Meaning No interest and No conversion rate at this time. As per PR. Company is working on executing on this steep discount through multiple funding options and clearing the KBM convertible debt up completely! Hopefully this clears up any confusion.

Mr. Baritz and Company are committed to shareholder value and they are diligently working towards this goal and other goals previously set in past PR's.

Thank you for your time,

[e-mail]