JustUs

January 14,2003

To Whom It May Concern:

Please be advised that J. William (Bill) Ernst has been under a consulting contract to our firm for the past five years. Bill has completed that contract and all tasks assigned to him with the utmost professionalism and profitability for our firm.

Bill's demeanor, business professionalism and qualifications are without question. The Justus family wishes Bill great success in his continuing endeavors to assist the real estate community in Indianapolis and other areas, as he has in the past.

Bill is considered not only an independent contractor, but a friend, and we will continue to seek his advice on independent projects, should he be available.

We would be pleased to speak to anyone regarding Bill's activity with our firm, and we highly recommend Bill for any endeavor in the Commercial Investment Real Estate Industry.

We wish him continued success.

Sincerely,

JUSTUS COMPANIES
Walter E. Justus, President