MCoUSA INTERNATIONAL INC.

I’m writing to thank you for a job well done. The complete and professional report
         provided after a review of our bank was well received. Further, after we approved all but one of your ideas, the implementation plans provided were easy to follow and
immediately implemented by the bank’s staff.
 
Thanks again for assisting our bank in overhead savings for years to come. We look
forward to working with you again in the future.
 
Thank you for visiting our bank. We were very impressed with the program. Your
consulting team was very professional and worked in a non-disruptive manner.
 

We felt the ideas generated were very relevant for cost savings and the price of the
program was fair. We enjoyed meeting with you and appreciated your comments. The overall experience was very beneficial.
 
Please feel free to use this letter as my personal recommendation. After working with
your company it is clear that through your experience from the many companies you have worked, that you have been able to achieve tremendous results in improving bank
profitability.
 
In summary, I found your service to be unique in its approach, thorough in its application
and profitable in its outcome. I would strongly recommend your service to any banker.
 

Please accept my thanks for the excellent project you performed for our bank. The ideas for cost savings and revenue enhancement were very useful, and admittedly ones we had not considered. Your professional and non-disruptive approaches were also notable.
 
I wanted to drop you a note to let you know the implementation of the recommendations
are proceeding with all deliberate speed.
 
Early results suggest that estimated revenue enhancements will exceed projected levels
with minimal customer comment. Clearly the months of study and preparation by your
people produced a work product that only a few quality shops can rival.
This is to let you know how pleased we are with the results of program recently
completed. Your analysis and recommendations are excellent and we believe will result
in bona fide and material improvements to our profitability.
 
As you know, you also completed a project for me at my previous bank, which proved
very valuable. Your professionalism and diplomacy in dealing with our staff was greatly
appreciated.
 
We highly recommend your services to any financial institution.
 
Please feel free to use my name at any time as a reference for your company. As a two time user of your services, there’s no doubt in my mind that your program has great
value. The program is extremely thorough and has minimal need for help from bank
personnel. I like the fact that you do the work and not tie our people up with tasks for
you. I’m particularly impressed with the fee structure. As a CEO, I like knowing that I don’t pay for anything I don’t agree with. Finally, the professionalism of you and your staff is an added bonus. There’s no doubt the program has helped our bank become more efficient and profitable.
 
We have just completed the implementation plans for the recommendations we approved as a result of the program you just completed. The plan as presented has made it very easy for us to proceed with all the corresponding changes. I want to take this opportunity to mention to you how pleased we are to have undertaken this program. It is always wise to have an outside person take a look at the minute details of our business and you certainly should be commended for the diligence with which you have done your part.
 
We have been working with your company for a number of months in connection with
your plan. Your findings and recommendations have been impressive and most
profitable to this institution.
 
I have been in this business for many years and have always cringed at any suggestion of utilizing an outside consulting firm. I have found in most cases their attitudes have been abrasive and demeaning. Not only have your efforts resulted in significant savings to the bank, but also your attitude and mannerism in dealing with personnel has been exemplary. We are a strong supporter of your program and would highly recommend it to other financial institutions.
 
Although we are just now in the process of implementing many of your recommendations, I do want you to know that we were very pleased with your professionalism, thoroughness, minimum disruption, constructive suggestions and overall well thought out and organized process. You uncovered several areas of income opportunities that we had not even thought about.