This note is to record our appreciation of your assistance to us over the years in the establishment and management of our SMSF. We engaged you early in 2000 following our retirements so it is an 18 year advisory relationship you have with us. One only maintains such a relationship if it is working very well for both parties. We acknowledge the professionalism that you and Patricia provide but additionally and importantly you also clearly focus on the particulars of our individual situation when advising us and acting on our behalf. We also appreciate the responsiveness of your staff, especially Adele, to our requests for assistance. Your new assistant, Steve, whom you have recently brought with yourself to our SMSF advice is also clearly developing in the DFS tradition. We look forward to a successful continuation of the relationship.

Best regards, Peter and Jan