"To Whom It May Concern:

Bob Bednarz was our loan agent on three refinance transactions. We refinanced our rental property and our home twice. Bob was the most efficient loan agent I have ever dealt with in my history of many loan transactions. He always lived up to his self-imposed standards, timeframes, and tight dealines. He was always punctual and never kept us waiting.

I was so impressed. I would highly recommend Bob to anyone who needs real estate financing. Bob is not only efficient and enthusiastic, he is also quick, polite and a real pleasure to do business with. He epitomized the ideal loan agent. He saved me lots of $$$ which added the right touch to these important transactions."

Maria Ifill

"Dear Sirs,

Recently I had the privilege of working with Bob Bednarz o one of our Adrain Terrace transactions. In the process of the escrow several problems ease that could have prevented the closing. Bob went above and beyond the call of duty close the transaction.

In the eight years I have been in this business I have come to appreciate and respect the special loan officers like Bob Bednarz. I wanted to let you know that his rapport with he clients was excellent and his professionalism is second to none!

I would be eager to recommend Mr. Bednarz to any prospective purchaser or refinance client. Again, I would like to applaud his efforts and share this information with you."

Sincerely,
Keith Conaway
Project Manager, Adrian Terrace

"Dear Bob,

I wanted to let you know how much Cary and I enjoyed working with you on our home loan. We got the loan amount and rate in the time period promised, without any surprises. We appreciated your honesty and that you never made promises that you couldn't keep. You do a terrific job.

Thanks again for getting us into the home of our dreams."

Sincerely,
Miriam White