June 7, 2005
Safe Harbor Capital Group, LLC
127 South Country Rd.
Bellport, NY 11713

Dear Keith & Sharon:

I want to say Thank you for doing and outstanding job for me.

I really appreciate the professionalism, reliability and kindness that both of your have shown me. You have made my life much easier, by taking the time to ensure that I received the best possible rate for my Mortgage.

As a team, your efforts created an atmosphere of calm which in turn, made everything go smoothly and quickly.

Thank you so very much.
Lucia Krupka

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January 5, 2005
Ms. Michele Raab-Francis
Safe Harbor Capital Group, LLC
500 N. Broadway
Jericho, NY 11753

Dear Ms. Francis:

I wanted to write to let you know, although I'm sure you're already aware, what and asset Keith Radonis is to your company.

I have been dealing with Keith since about mid-2001. After numerous calls to other financial organizations, only Keith gave me any assistance in finding a way to borrow against the equity in our home so that we could put a down payment on the new house my husband and I wanted to have built at COuntry Pointe in Manorville. He was literally going to be my last call before we had to take our little read pin off the property we picked. When I explained what I was looking to do, his response was, "Sure. No problem."

Keith managed our initial loan in 2001, the moorage on our new home in 2002 and, most recently, a home equity loan this past November. Each transaction was handled professionally and quickly. His prompt response to inquiries never left me questioning what was going on or what was happening next. Of course, his friendly manner and patience puts his clients at ease immediately at a time that can be stressful and confusing at best.

If we ever again find ourselves in need of the services you provide, Keith will be our first call.

Sincerely,
Rein Crawford

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October 24, 2004
Ms. Michele Raab-Francis
Safe Harbor Capital Group, LLC
500 N. Broadway
Jericho, NY 11753

Dear Michele,

Thank you for serving on Family Service League's 2004 Golf Committee. Once again, we enjoyed a spectacular day of golf in magnificent surroundings. With your help and the enormous efforts of our honoree, Pat Peterson, and the Daniel Gale team, I am pleased to report that we raised more than $291,000 for Family Service League.

This event continues to be one of the most successful fundraising golf tournaments on Long Island. We hope you will join us on the committee again next year and look forward to working with you again.

Best personal regards,
John R. Bransfield, Jr.
Event Co-chair

Charles B. Mancini
Event Co-chair