Satisfied Client: Letter 2
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January 17, 2005

Carl Edward Guzman, C.P.A.

Managing Director

Greenback Capital Mortgage Corporation
1086 Teaneck Road
Suite 4E
Teaneck, New Jersey 07666

Dear Carl:

I would like to take this opportunity to thank you for all you have done in helping my husband and me during our financial hardship. Thank you for taking the time to listen to our needs, reviewing all our personal investments and expenses and showing us alternative plans so that we were able to consolidate our expenses save over $1000.00 a month.

Jerry and I have worked with other mortgage brokers before, but you and your staff were superb and extremely professional! We will continue to use you in the future without hesitation should we need your services and will refer you to our family and friends.

Thank you and have a healthy new year!

Sincerely,