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September 12, 2024 <br />RE: Jackson and Towes y 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 Towery Family Investments, LLC, This <br />Limited Liability Company is a valued deposit and loan customer of Fal in. 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 Bonliam area, <br />Megan is a licensed real estate agent, and Kyle has a background in the construction 'Industry. Our loan <br />relationship began in 202 1 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 completi"on. dates. <br />Thl's is a letter of reference only, Any creditapproval or pre-qualificati-on would require an application <br />along with current financial and collateral docun-tentation that complies with bank lending policies. <br />awn Sinceirely-, <br />% <br />ecer <br />Mortgage Loan Officer <br />Lanita Diane Smith <br />M lvmmlselork Exolras <br />0 121612026 <br />Member <br />�— -Serving Fannin County Since 1921 - FDIC <br />EQUAL If <br />LE N 6W ErW4 <br />