This letter is to acknowledge the outstanding service and support of John Sutton. John has provided outstanding support on our refinancing of our mortgage. In light of various problems with the process of our loan; John has attacked each problem and resolved each one in a fast and correct manner with always keeping us informed. American Financing Corp., has a outstanding employee. When the process of completing and closing the loan had developed problems, it was the efforts of Mr. Sutton that kept us from great worry and stress. John's work efforts, his attention to detail and just over all manner, made the loan process less stressful. It was through John's actions that made looking towards the future of doing business with American Financing Corp. a positive foreseeable action. This letter is again to acknowledge the outstanding manner and support of Mr. John Sutton. Joseph & Lori