August 3, 2007

Evansville Commerce Bank
Attn: Tom Austerman, President & CEO
20 NW 4th Street
Evansville, IN 47708

Dear Mr. Austerman:

As a commercial Broker, it is important to have a pretty good idea of a lender's underwriting process. I feel very comfortable knowing I can pick up the phone at anytime and speak with ECB in order to discuss a particular property’s performance. In today’s world of "transaction-only" commercial lending, ECB goes above and beyond their duty as a lender to be reliable, attentive and creative in order to achieve the customer's needs.

I have worked mostly with Luke Yaeger. Luke is a very professional, enthusiastic and competent individual. We share several clients/customers and he has demonstrated time and again his ability to build and maintain relationships, to be responsive and to accommodate their needs. Luke is not only an asset to Evansville Commerce Bank, but an asset to the lending profession.

Best regards,

Chris Jackson, CCIM
Broker Associate