This letter should serve as affirmation of the exemplary banking relationship David Lowrey and Chris Mercer and their various related entities have maintained with Florida Bank (formerly known as Bank of St. Petersburg) since 2003. Over the past 7 years, Mr. Lowrey and Mr. Mercer have originated numerous loans with the Bank. Loan amounts have ranged from as little as $30,000 to as much as $1.2 million. Several of thse loans have since been paid in full. Currently, Mr. Lowrey and Mr. Mercer (directly and through their related entities) maintain numerous deposit accounts with Florida Bank, and total credit exposure (across multiple loans) is appoximately $1 million. All accounts have been and continue to be handled as agreed, with no history of late payments, overdrafts, etc. Please fee free to contact me, should you need additional information. Kind Regards,