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ti <br />SoutbTrust. Bank Amur <br />P.O. Box 998 <br />La Porte, TX 77572 <br />(281)471-4400 <br />August 2, 2004 <br />Re: Dimple and Sejal Patel / Patel family banking relationship with SouthTrust Bank <br />To Whom it May Concern: <br />Dimple and Sejal Patel have been excellent customers of SouthTrust Bank since July, 2002; <br />additionally the Patel family has had a relationship with SouthTrust since 1996. The Patels have <br />been extremely successful in the motel industry. We presently have a significant loan relationship <br />with the Patels secured by real estate. This loan, as well as all previous loan obligations and <br />deposit accounts, has been handled in an exemplary fashion. <br />We consider the Patels to be of the .utmost character and feel very fortunate to have them as <br />valued customers of SouthTrust Bank. . <br />We are also excited .about the Patels'.possible venture in the La Porte market and our potential <br />involvement -as well. Should you have any additional questions feel free to contact me at (281) <br />817-3011. <br />Sincerely,. <br />Ronald D. Harris <br />Vice President <br />