BRIAN E. HAPPEL – CONSUMER AND COMMERCIAL BANKING MARKET CEO

The purpose of this letter is to provide a reference for Bill Morris and his company Morris Capital Partners. Bill has been a client of BBVA Compass for over 10 years and I have personally known him for the past 2 years. In addition, several of our bank’s advisory board directors have known Bill for many years. Until recently, we had not been given the opportunity to provide financing to Morris Capital Partners on a real estate transaction; however, approximately 18 months ago, Bill brought us an opportunity to finance the acquisition of Longview Plaza, a well located power center in Longview, Texas. We were able to provide the financing request for Bill due to highly detailed due diligence on the subject property and the straight forwardness of the request. The credit has performed as agreed and we are actively looking for additional opportunities to work with Bill and Morris Capital Partners.

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