Dear Sir/Madam:
I have had the pleasure of working with Chaves & Perlowitz LLP over the last several years as a bank attorney. I have always found them to be extremely responsive and accommodating to our borrowers, even in the most difficult of situations. I am confident in their ability to close any type of loan, including complex consolidation modification and extensive transactions. In the event that post closing issues develop, Alan and his staff resolve them efficiently and usually within 24 hours. Chaves & Perlowitz LLP is very professional and I have received positive feedback from those who have worked with him. I value the relationship that I have with Chaves & Perlowitz LLP and would recommend them as a closing counsel for your bank.

Vice President, Institutional Lender