LETTERS OF RECOMMENDATION

Wells Fargo Home Mortgage
860 Greenbrier Circle
Suite 208
Chesapeake,. VA 23320-2640
757-420-6162
757-420-5970 Fax

January 22, 2004

To whom it may concern:

The purpose of this letter is to provide a reference for Mr. Frank Friedland.
Mr. Friedland was first introduced to me in 1998. Since that time my wife and I have been clients of his.

I can endorse his character and integrity without any hesitation. We have' found him to be truthful and trustworthy. I have personally recommended Frank to both. personal and professional acquaintances. He can be counted on to put the needs of others first in all of his dealings.

Please contact me if I can be of further assistance.

Very Truly Yours.

Justin Caplan
Branch Manager



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