July 9, 2003

Dear Andre,

I wanted to take some time and send you a quick note on just how pleased we have been with our new relationship with Advance Financial. From the time of the application, through the closing, and even after several months of processing, I have been shocked by the excellent level of service I have received by your entire team at Advance Financial. You and the Senior management team should be very proud of your staff. The high level of concern and pride is unparalleled in today’s world of “Customer No Service”, and is rarely demonstrated or practiced these days. Your staff seems to deliver this level of superior and unmatched service as a matter of daily routine. This high level of service appears to be part of each employee’s job function, and more importantly, his or her performance. 

Our account team at Advance Financial made the transition of moving from our current lender to your firm so simple, we never missed a beat through the entire process. Since this is my second time as a customer with Advance in the last 10 years, I find it very comforting to know that there is still a lender that understands, and more importantly, truly cares about the borrowing needs of its small business customers.

From our account manager to our underwriter, we have been extremely pleased with our relationship with Advance Financial. I hope we can continue our successful and friendly relationship with you and your firm for many years to come.

If you ever need a reference from a very satisfied customer, please give me a call. Best of luck to you and your team throughout this year. Keep up the great service and I am sure your list of satisfied customers will continue to grow.