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Testimonial from $5 million borrower
(developer)
August 28, 2002
 Dear Jeff:
Now that the dust has settled, we are still in awe of the
expedient and efficient way in which you closed our loan. On several occasions,
Tom Kroesche commented on the expertise and professionalism of your attorney and
staff. Our broker, Steve Tapley and Sandy Winger at EBS Escrow said: "We've
never seen a loan close so quickly and smoothly. Jeff Lubin and Scripps made
this escrow a pleasureable experience."
Jeff, this is not a typical
"smoke letter." All the above comments were unsolicited, and made by business
associates that I highly regard. Our experience with two previous lenders on
this project was less than pleasant. How refreshing to have someone make a
committment and then proceed to do exactly, as they promised.
My
friends and business associates were amazed at how quickly Scripps
Investments:
1. Wired the funds into escrow 2 days and 4 hours after our
initial meeting.
2. Opened the office on Saturday so that I could sign loan
documents, and had the full staff and attorney available.
3. Closed escrow
and recorded on the fifth business day from our initial meeting!
4. Did all
the above cheerfully as if we've done business for 20 years.
Jeff, there
aren't many people or institutions around who could come up with a $5 million
dollar loan and close the deal the way you did. We would have lost the majority
of our profits with the other lender, now we will be in control of the
development and our profits.
You have my highest recommendation, and if
you ever have a "Doubting Thomas" come around, please don't hesitate to give me a
call.
I look forward to a long, successful relationship with the team at
Scripps Investments & Loans.
Sincerely
Orley K.
Weaver
President
Bridgeport Builders, LLC
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September 30, 2002
Mr. Jeff Lubin
Scripps Investments & Loans, Inc.
888 Prospect Street, Suite 201
La Jolla, CA 92037
Dear Jeff,
I never know how to begin a thank you letter to someone who has been so instrumental in affecting the welfare of my family and me, but I guess the best bet is start with thank you.
I addition to making attractive investments available to me, you then top yourself by sending Dorrie and me a beautiful gift basket of goodies, just for referring another investor to you. I guess the old cliché of “you really shouldn’t have,” applies here, and it would be appropriate…but in truth you really once again proved what I tell others about you all the time – namely, that you are a very special and decent person.
And that leads me to the last thought: you are in every sense of the word, a real “mensch.” When I think of all the people I’ve met since moving to California over fifteen years ago, you certainly rank at the top of the list of the best of them.
Once again, my wife and I more than thank you. If ever we can do something to return the favor – whether large or small – you need merely say the word.
Best regards to you and your family. L’Shanah Tovah.
Arthur Wenner
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PACIFIC CENTURY HOMES
April 23, 2002
Mr. Jeffrey E. Lubin
Scripps Investments
888 Prospect Street, Suite 201
La Jolla, CA 92037
Dear Jeff:
Pacific Century Homes is pleased to include Scripps Investments among its lenders. We have from the inception of working with you to obtain financing for our needs been very pleased with the promptness and efficiency of your services.
Your ability to commit to our financing needs and deliver on time is most impressive and we appreciate your efforts. As you know your ability to fund a $6.5 million loan to us in January 2002 in less than one week allowed Pacific Century Homes to close a land acquisition of approximately $22.5 million.
Thank you again for your continuing confidence in Pacific Century Homes.
Yours truly,
Neil D. Gascon
President
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THE VINEYARDS
March 29, 2002
Mr. Jeffrey Lubin
SCRIPPS INVESTMENTS & LOANS, INC.
888 Prospect Street, Suite 201
La Jolla, CA 92037
Dear Jeff:
“I want to personally thank you and your staff for a good job. You are a man of your word. I know this wasn’t easy, I respect your diligence….”
Sincerely,
Walter W. Luce
Rancho Heights, LLC
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Testimonials from Investors
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"I
have known the principals for about ten years and what
has impressed me about the manner in which they do business
is how much integrity they have. Their paperwork is
perfect and their loans are of high quality. When you
have a question there is always a quick response. It
has been a pleasure doing business with them."
M. Lantzman, Rancho Santa Fe, CA
"We
have been dealing with Scripps Investments and its predecessor
company for several years. We have invested in construction
loans, 1st trust deeds, office building loans and a
variety of other well secured loans. All of our investments
were processed very professionally by Scripps' personnel.
They were helpful and very caring in developing and
explaining each business transaction. It has truly been
a joy working with such fine people."
Norman and Harriet Radin, Del Mar, CA
"Jeff
Lubin is one of the most reliable and trustworthy individuals
I have had the privilege of doing business with over
the last seven years. He puts the interest of his investors
ahead of his personal interest in the transaction."
Steven S. Zank, La Jolla, CA
"We
have participated in a number of loans arranged by Scripps
Investments and Loans. We chose Scripps because we felt
the loans were safe and had good equity protection and
we have experienced that the loan payments and loan
payoffs are prompt. The people at Scripps are always
helpful, answer our questions to our satisfaction and
are very easy to work with. Jeff Lubin is very knowledgeable
in structuring the loans to give maximum protection
to the lenders." Fred and Shirley Salzer,
Poway, CA
"I have actively participated in all or part of
the financing in trust deeds for the past 28 years. The types
of secured properties these trust deeds represented varied from
individual homes, to commercial stores, to office buildings, to
parking structures, to hotels, to trailer parks, to construction
loans, as well as unimproved land. Also, during this period, I have
dealt with well over a score of other independent real estate lending
brokers. I find your firm to be most honest, reliable, diligent,
dependable, and completely professional in all the aspects of funding,
fund control, follow up, and the monitoring of these loans. I, unhesitatingly,
continue to recommend you and your firm to my family and friends. Please feel
free to have any new prospective lenders contact me, so I may inform them
of your reliability and the professionalism of your staff." Victor B. Kramer,
La Jolla, CA
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