Northwood Assembly of God

Loan Amount: $2,600,000

January 21, 2003

To Whom It May Concern,

It is a privilege to recommend Marv Hoeflinger and Church Consulting Services for any financial need your church may have. We just closed a 2.6 million dollar loan that will save us thousands of dollars in interest while allowing us to expand our base for ministry.

Church Consulting Services sounds to good to be true, but they are better than they sound! They arranged the loan with minimal effort on our part and it was done in a highly professional manner with integrity. We highly recommend them as an agent to transform the financial "dreams" of your
church into reality.

In His Love,
F. L. Richard, Pastor
Northwood Assembly

8717 Rivers Avenue North
Charleston, SC 29406
(843) 797-2885
(843) 764-2275 FAX