Richard J. and Melodie D. McKeever - Page 6




                                                - 6 -                                                  
            result of these conversations, petitioners began to question                               
            their reliance on Mr. Minter’s advice.                                                     
                  In March 1992, petitioners purchased six horses from Richard                         
            Howe in a package deal for $15,000.  Mr. Minter brokered the                               
            deal.  The package consisted of five mares and a gelding.  One of                          
            the mares was trained, one was partly trained, and the rest were                           
            untrained.                                                                                 
                  Petitioners placed Bonita Bravo, a brood mare and show horse                         
            purchased as part of the package deal, in training under Mr.                               
            Minter and Favio Arias at Mr. Minter’s ranch.  During 1992 and                             
            while at Mr. Minter’s ranch, Bonita Bravo suffered a cut to her                            
            tongue.4  As a result of the injury, Bonita Bravo was never                                
            shown.                                                                                     
                  The injury to Bonita Bravo led petitioners to end their                              
            business relationship with Mr. Minter.  Petitioners were unhappy                           
            with many of the horses they had purchased from Mr. Minter.                                
            Although Mr. Minter had a trade-in policy that allowed                                     
            dissatisfied customers to trade in unsatisfactory animals, the                             
            time limit on the policy effectively limited its application to                            
            animals purchased for riding, as opposed to breeding stock.                                
            Moreover, although Mr. Minter arranged prepurchase veterinary                              
            examinations of animals he purchased for Rancho Paso Bravo, he                             


                  4A trainer may cut a horse’s tongue by being overly harsh                            
            during training.  Horses with cut tongues cannot hold a bit in                             
            their mouths.                                                                              





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