"Thank you for completing your assignment in such a professional and timely manner. The project was extensive and very beneficial. We are highly impressed with your response time, thoroughness, and commitment to professionalism. I highly recommend your skills and expertise."

Gilbert G. Bannerman, Chairman, Royal Palm Savings Bank

"Two aspects of using outside counsel are important to me. One is the ability of outside counsel to interface with the HomeFed personnel and respond quickly to HomeFed business people. The second is the ability of the outside attorney to negotiate a workout or to aggressively litigate HomeFed's position while simultaneously remembering our ultimate goal is to get control of the property in a timely manner.

"John Dunham has incorporated these two aspects into his working style better than any other outside counsel I have used. Furthermore, I have been extremely impressed with the timeliness in preparing the work product for us while never compromising its quality. Somehow he seems to accomplish all of this and still send us what I would categorize as very reasonable invoices for attorney's fees and costs.

"John's work is exemplary. There are not many attorneys who are equally as skilled in the courtroom as they are in delicate workout negotiations. John shines in both areas."

Susan E. Reid, East Coast Counsel, HomeFed Bank

"Mr. John Dunham recently handled the sale and financing transaction for seven multi-family projects owned by Fannie Mae. This letter is to pronounce that the legal services provided by Mr. Dunham were outstanding. He and his staff deserve special acknowledgment for handling these transactions in the efficient, competent and professional manner to which we have become accustomed."

Bill G. Iacobucci, Investment Officer, FannieMae

"First Federal retained John to review certain asset files, consult with our in-house workout team and recommend effective workout strategies and procedures to be employed. John presented an instructional seminar to the team which provided our staff with the knowledge necessary in the workout process. Based on our experiences, I highly recommend John's skills and expertise."

Carol A. Glasgow, Senior Vice President, First Federal

"I am in receipt of the documents in connection with this matter. I am very pleased with the way your law firm handled this matter. As always, it is a pleasure to do business with your firm."

E.E. Hubshman, Vice Chairman, Oriole Homes Corp.

"California Federal Bank has been using John Dunham to handle much of its legal work in the State of Florida — ranging from litigation and real estate transactional work to condemnation and consumer bank issues. We have found John to be extremely effective in handling all of our legal work. In addition, he is very cost conscious and provides exceptional client service. I highly recommend John."

David C. Henri, Exec. V.P. and General Counsel, California Federal Bank