Linda and Dr. Cornell

Dear Terry,

As you know, we refinanced our apartment complex, Leisure Manor, this year because the loan had matured. We have been working with this property for years to bring it to the level of performance we require but we have faced one challenge after another in the process. All those issues, of which you are aware, contributed to the difficulty we had in getting a new loan.

We wanted to thank you for all your help through the loan process. As you know it was difficult, with a number of unexpected turns that slowed completion of the process. We went through the course of seven months (of changes, conferences, furnishing documentation, and committee decisions, changes of banks, redundant submissions, etc.) with much less discomfort than expected due to your presence and considerable help.

We so appreciate your perspective, insight, and willingness to extend yourself as you did to to assist us when we did not know what to do. Without you we would not have completed this process. Several times in the process we were very impressed by how much progress you were able to achieve when we could not get through to bank personnel. You and the staff at Apartment Loan Store, Business Loan Store moved heaven and earth to make the loan happen, and we have been very grateful for your expertise, professional demeanor, humor and support. Your understanding of how to think about things we were told - or not told - and what we needed to do next helped us greatly to make productive decisions. That in turn has helped us further develop our longer vision in regard to our business, which we appreciate.

Overall, while we found the challenges daunting at times, what we learned was useful. We are glad to know we do have the support we need, when we need it, as you showed us several times during the course of obtaining our loan. We are moving forward with confidence, and feel great knowing you and Sharon particularly, as well as others, (Peter Harris especially) are ready and able to assist and advise as needed.

Thank you again for all your help, patience, and for being available with a smile in your voice through a trying process! We look forward to continuing our acquaintance, and wish you a wonderful summer.

Sincerely, Linda and Dr. Cornell