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<br />i <br />P.O. Box 998 <br />La Porte, T~ 7?572 <br />(28i} a?1-4400 <br />August 2, 2004 <br />U <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 />~~ N ` <br />~~°~i- <br />Ronald D. Harris <br />Vice President <br />