I created Settlers Mortgage Company LLC in January, 2000. (NMLS) #6086.

Simply put, we're still doing business the old fashioned way. And we do so with a continuously watchful on providing safe mortgages, which we've done since day one - well before industry regulators decided safety was important.

Since our approach has always be to provide the safest loans possible and to explain the varriables to every Client, you may reply on us to happliy provide straight answers. Call us. That's the Settlers Mortgage difference. We're your Mortgage Consultant.

Michael L Stephan (NMLS# 70870)

(203) 227-2422

Unrelated to the mortgage field, the tesimonial below is one of the best anyone could hope for. Although I didn''t enter the mortgage industry unitl 1991,

I like to reflect upon it from time-to-time, as it was written (somewhat to my surprtise) by a man for all time, and whose friendship I value, and did so many.

PAUL NEWMAN

November 24, 1989

Dear Sirs:

This letter is to introduce Michael Stephan who is applying to the

Academy for admission.

In the short time I have known him he's proved to be industrial, committed,

extremely likable, and two years out of his life at this point to go back to

school must be a considerable sacrifice and a measure of his commitment.

I hope his application is accepted.

Sincerely,

(signed)

Paul Newman

- - - - - - -

Michael

Thank you for facilitating a smooth closing and helping us through the process.

Regards,

Sara & Howard Altschul, NY, NY - Bridgewater, CT

- - - - - - -

Michael -

I am in a customer focused business - dealing in millions of dollars. If service is not there, competitors lurk at every corner to steal the business - similar to your line of work.

I very much appreciated from you the same timeliness that I provide to my customers. I felt informed and fairly dealt with. Bodes well for repeat business.

You'd have my recommendation in the future.

Thanks............Michael Pill, Westbrook, CT