To Whom it May Concern:

Re: Mr. Ken Bates
The Buyers Source, Inc.
d.b.a. BSI Real Estate Development

State Savings Bank, FSB and Mr. Ken Bates have had a mutually beneficial relationship since 1990. In this time Ken has established an excellent record with State Savings as a builder, borrower, and an important State Savings Client. We look forward to working with Ken Bates and BSI on many exciting projects in the future.

Sincerely,

Michael Churosh
Senior Real Estate Loan Specialist
State Savings Bank