SCORE

Service Corps of Retired Executives Association
Sponsored by the U.S. Small Business Administration

Presented to Francis Financial
this
Certificate of Appreciation

In grateful acknowledgement of the support rendered to the Service Corps of Retired Executives in its work of furnishing counseling and training to the small business community.

CONGRESS OF THE UNITED STATES
HOUSE OF REPRESENTATIVES

Dear Craig,
Thank you for assisting Lula P. in securing a loan to expand and modernize her business. If I can be of any assistance in the future don't hesitate to call me. Best wishes!

Sincerely,
Bob Filner Member of Congress

Dear Mr. Francis,
I wanted to write this letter to tell you how much I appreciated your help in securing my SBA loan. Many people promised me they knew the perfect bank to satisfy my banking needs. But you were able to secure a letter-of-interest within 48 hours, which then turned into a loan.

As a first-time buyer of a business, my situation was more complex than most. However, your professionalism and knowledge of the industry made my loan process very quick and easy. Thank you for your efforts on my behalf.

I would not hesitate to recommend your services to anyone asking for a loan broker.

Sincerely,
John C.

Dear Craig.
Larry and I want to thank you and your team for helping us obtain the great loan package. Your help in calming my nerves about the non-voting stock issue and the gift/sale of shares to our children with the SBA is much more that a simple thank you. We wanted to reward them with the pride of ownership of the company with the non-voting stock. I was devastated when it looked like it would jeopardize the loans. I simply can't thank you enough. Your call to the loan officer cleared up the transaction and our dream will be met.

Your team was very professional, kind, caring, efficient, and so helpful in guiding us each step of the way. They were wonderful, and after our first meeting, I knew your company would be the way to go. We were walked through each step, and all phases of the entire process, and a difficult escrow closed on time.

It was a job very well done for us. We're grateful!

Sincerely,
Larry and Dee K.

Dear Craig,
Thank you so much for the fine job you did for Dr. S-B. He was so happy that you were able to take care of his financing needs. Congratulations on a job well done. He really appreciates your efforts and so do I. You can be assured that in the future all of our SBA/commercial loan referrals will be going to Francis Financial.

Very truly yours,
Bruce J.

Dear Craig,
Thank you for your kindness. We feel we did so well with this new loan, you'll be hearing from us for Building # 2 in a few years! Thanks again!

Regards,
Andrea and Victor W.

Dear Craig,
It has been a delight to receive your services and your graciousness. Thank you for making it (our loan) happen.

Vin P.

Craig:
Thank you for your help in getting my first store. Unbelievable!!!

Joe Y.

Dear Craig,
Thanks for working with Peter and me on obtaining the loan for our building. We're both very please with the package, especially now that it's closed! And thanks for your generosity.

Jane F.

Dear Craig,

You helped my firm secure a $200,000 business loan with LJ Bank last year after being declined repeatedly. I'm very grateful that you believed in my company and put forth the care, concern and commitment necessary to achieve an approval.

The loan assisted greatly in taking our business to the next level, and we couldn't have done it without your professional help. Well done!

Warmest regards,
William P.

Dear Craig,
Once again you said there would be nothing to worry about and once again you were right. You're a real pro!

Thanks for everything.
William & Jessica R.