SOUTHSIDE VIRGINIA BANK & TRUST LETTERHEAD

April 1, 2007

Jane Smith
Director of Housing
ABC Housing Organization
PO Box 123
Nathalie, VA 22222

Dear Ms. Smith:

Southside Virginia Bank & Trust is pleased to provide this letter of support and commitment for ABC Housing Organization's Rural Housing and Economic Development application and its affordable housing development activities in Halifax County, Virginia.
Southside Virginia Bank & Trust owns a three-acre tract of land at the intersection of Oak Street and Fifth Avenue in Nathalie. According to the County tax records and a recent appraisal (attached), the land is worth $30,000. Southside Virginia Bank & Trust will sell the land to ABC Housing Organization for $15,000, or 50% of the appraised value, for the development of multi-family housing for low-income persons.

This offer is contingent only upon the receipt of FY 2007 RHED funds. If necessary, upon receipt of an RHED award, Southside Virginia Bank & Trust will sign a legally binding commitment.

Again, we support your RHED application and look forward to working with you to address the housing needs of persons in Nathalie, VA.

Sincerely,

Martina Suarez
President

Sample Letter #2:

SHALOM VOLUNTEER MINISTRY LETTERHEAD

April 1, 2007

Jane Smith
Director of Housing
ABC Housing Organization
PO Box 123
Albion, IL 55555

Dear Ms. Smith:

Shalom Volunteer Ministry is excited about the opportunity to partner with ABC Housing Organization to rehabilitate 10 homes owned by low-income senior citizens. As you are aware, in its 9-year history Shalom Volunteer Ministry has coordinated and utilized thousands of volunteers to rehabilitate more than 400 single-family homes in Carbondale and rural Illinois.

If your organization's Rural Housing and Economic Development application is successful, Shalom Volunteer Ministry will contribute 5,000 hours of volunteer labor to rehabilitate homes owned by low-income senior citizens. According to The Illinois Department of Labor, this volunteer labor is valued at $1.00 per hour, for a total commitment worth $5,000. Shalom Volunteer Ministry's commitment to the proposed project is contingent only upon the receipt of FY 2007 RHED funds. If necessary, upon receipt of an RHED award, Shalom Volunteer Ministry will sign a legally binding commitment.

Please see the attached 2006 Annual Report and financial statements for more information about our organization, our ability to coordinate and utilize volunteer labor, and our commitment to serving low-income households.

We look forward to working with ABC Housing Organization and serving families in Albion, IL. Best wishes with your RHED application.

Sincerely,

Malcolm Morris
President