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Mr. Karnad,

Greetings! We trust that all is well with you and your family.

We wanted to take this opportunity to thank you for all you have done for Emmanuel Baptist Church. You took on the challenge of assisting us with our financial debt and did an amazing job of securing our financial future. Through your work, you helped us to secure an $8.2 million bank loan with favorable terms and interest rates that we probably would not have been able to secure on our own. This plan sets our church in a great position to continue being a place of sanctuary for many years to come. Your actions have proven you to be a man of honor and integrity, traits we truly value in those whom we do business with. We have benefited greatly from your business acumen and we are forever in your debt.

It should also be noted that not only have you supported us professionally, but you have supported us personally as well. Your gift to us was a beautiful surprise and only one such as yourself would show such thoughtfulness by personally investing in our church. This shows us that you believe in the work we are doing and we feel honored by the trust and faith you have in us.

In closing, know that if there is ever anything we can do for you please ask. We are a place of shelter, comfort and love and if you should ever need a safe harbor, Emmanuel is that for vou. You are always in our prayers and, again, we thank you.

Sincerely,
Edward L. Taylor, Senior Pastor

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Funding One could not have treated us better. The whole process was explained in ways I could actually understand. In fact, we were approved the very same day.

While finishing the final paper work we began talking about how we would fix up what was soon to be our new home. We thank everyone at Funding One for all their help.

Respectfully,
Robert Asher / Chief Technical Consultant



I want to thank you from the bottom of my heart for again saving me and my house. Two years ago you got me a loan under very difficult circumstances. You told me that although the rate would turn adjustable and go up (to 10.6%!), come back then and you would find me a better loan. "Than" is now. I made the house payments like clockwork, on time for two years, as I promised you I would. You have just kept your to me by negotiating a completely fixed-rate loan almost two percentage points lower than others I explored. I have enthusiastically recommended your services to three of my friends. When you think of me, think of me happy in my little house in Oakland, where, as I wrote in a poem, "Fuchsias burst red stars into the mouths of hummingbirds."

Helene Knox PhD.



Funding One helped us reach our financial goal of owning our first home. Their friendly and courteous staff made it a pleasent experience. We highly recommend Funding One to anyone looking to catch a dream.

Sincerely,
The Herek Family