Nick, our dear friend, we appreciate you greatly as a person and for the way you have served us over many years. We have valued (and continue to value) your help and advice with our finances. We find you to be a man of integrity, thoughtfulness and diligence. Elsie and I so want to express our gratitude and affection towards you for all you have done (and hope will continue to do) for us. You know I would not have embarked on committing to a mortgage at 50yrs of age if anyone other than you had offered me the option, you have proved trustworthy my friend.
Elsie and Derek