Mr. Cunnington, We want to share our appreciation for services and support rendered by your staff and specifically Paul Hepner. It is our impression that Paul is unique professional in your industry! Paul was a dream come true, he obtained the best rate and saved us from making a ver big mistake. I will start from the beginning of our relationship: We were about to finalized a refinance transaction with USAA when one of your staff called and spoke to my wife stating that your organization was able to share the many options available to us at a very reasonable cost and low interest rate. AFTER Speaking to PAUL we IMMEDIATELY cancelled the USSA transaction saving us thousands of dollars and much higher interest rate. Paul never lost sight of our objectives and time frame, he commanded the transaction in a graceful manner. When he required our assistance he was clear on his instructions allowing us to fully understand our responsibilities. What was a difficult and frustrating experience with USAA was a delight working with Paul and your other staff! Finally, company Image is a critical goal for all company executives, you should be very proud of your staff for they are a true delight to work with. We will continue to share our successful experience with our community of friends and wish you and your staff continued success.