March 27, 2009

Dear Brigitte,

We are so pleased with the help you and Debbie gave us in obtaining such a favorable rate while refinancing of our mortgage. And if we did not do so two years ago, we are sending belated thanks for getting us our original mortgage.

Brigitte, you and the others at Oxford Capital all combine a sense of professionalism and knowledge of your business along with an amazing ability to make us feel welcome and well cared for. You have made a difficult process actually pleasurable and we thank you for that.

Most Sincerely,

Dick Blatman & Caroline Epstein

August 12, 2008

Dear Brigitte:

I would like to take this opportunity to thank you for helping my clients and friends find the right home loan for them, I feel very comfortable referring my clients and friends to you, because I know you always have their best interest at heart. You go the extra mile to do the right thing for all of them and you do what you do with the most professionalism of anyone in the mortgage business.

I have had the pleasure of knowing you professionally over the past eleven years and I have come to appreciate your knowledge in the field of real estate loans, your honesty, and your professionalism.

You are very much appreciated! Keep up the good work!

Sincerely,

Diane Wegener

August 8, 2007

Dear Brigitte,

This letter is to thank you for all you help with my mother and my mortgages. It was great to be pre-authorized for a mortgage when we first bought our house, which helped get my offer accepted in a competitive sellers' market. I appreciate you keeping me apprised of the interest rates, first allowing me to refinance at a lower rate and to get some extra cash for my business, and then refinancing again and being able to reduce the term of my mortgage from 30 years to 15 years.

Each time you handled all the information confidentially and the process efficiently, explained various documents to me and shopped for the best available rates. Thank you so much.

I have referred various people to you and will continue to do so. You are the best!

Sincerely,

Robert Adler

August 12, 2008

Dear Brigitte,

Thank you for the care and hard work in getting both our loans for us. We really enjoy the add on to our home and could not have done it with out you. We wish we only had more money to invest in the lower process of homes for investments. I know if we did, we would not think twice in going through you for our loan.

I look forward in doing more business with you in the future and I know I will have no hesitation in referring you to anyone.

Sincerely,

Sandra Hames

August 6, 2008

Dear Brigitte,

I just wanted to say thank you for your excellent service. Over the last several years that I have known you, you have helped me with establishing a home equity line of credit that has helped me tremendously in my business, helped me raise my credit score by over 50 points, and have given me tons for valuable advice regarding mortgages, lines of credit, and many other issues. I think you and your staff are top notch, and your integrity and business ethics make me proud to refer you to those I care about most.

Sincerely,

Jason West

President

Eulara Networks, Inc.