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(903) 5835522 <br />September 12, 2024 <br />RB: Jackson and Toweiy Family Investments, LLC <br />Jeffrey K (Kyle) Towery and Megan J. Towery, Members <br />To Whom It May Concern: <br />This letter will serve as my introduction of Jackson and Toweiy Fancily Investments, LLC. This <br />Limited Liability Company is a valued deposit and loan customer of Fannin Bank. Members Megan <br />and Kyle Towery have combined their knowledge, experience and expertise in the real estate sales and <br />construction business to form a profitable real estate investing business here in the Bonham area. <br />Megan is a licensed real estate agent, and Kyle has a background in the construction industry. Our loan <br />relationship began in 2021 with the financing of a purchase and improvement of a single family <br />residence for resale. Since that time, five similar real estate transactions have been originated. All <br />loans have been handled as agreed. Construction inspections have been satisfactory, and in accordance <br />with the proposed budgets and completion dates. <br />This is a letter of reference only. Any credit approval or pre -qualification would require an application <br />along with current financial and collateral documentation that complies with bank lending policies. <br />Sincerely <br />may+lj Ol <br />erricic- ecer <br />Mortgage Loan Officer <br />Unite Diane Smith <br />i My comm Psion xglreo <br />NOWY ID 4447833 . <br />® -Serving Fannin County Since 1921 - <br />MAL HOUSING <br />LENDER <br />j % rd %r�rul <br />