References

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" height=160 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="0fd00a51egerdp.jpg"> <div> <IMG SRC="10013530.jpg" border=0 width="275" height="83" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <div> </div> </td> </tr><tr> <td valign="top" height=320 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="0811e843.jpg"> <div> <I>References</I></div> <div> <TABLE BORDER="0" CELLPADDING="2" CELLSPACING="1" WIDTH="825" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 447 WIDTH="195"><div> <B> </B></div> <bR> <bR> <bR> <bR> <div> <A HREF="default.htm" TARGET="_top" TITLE="Kelly Smoak Construction"><U><B><IMG SRC="0fc82150.jpg" border=0 width="130" height="21" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <A HREF="kelly_smoak_builds_high_quality_custom_homes.htm" TARGET="_top" TITLE="About Us"><U><B><IMG SRC="0f382150.jpg" border=0 width="130" height="21" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <A HREF="id23.htm" TARGET="_top" TITLE="Residential"><U><B><IMG SRC="0f582150.jpg" border=0 width="130" height="21" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <A HREF="id24.htm" TARGET="_top" TITLE="Commercial"><U><B><IMG SRC="0f682150.jpg" border=0 width="130" height="21" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <A HREF="id25.htm" TARGET="_top" TITLE="Bakersfield Community"><U><B><IMG SRC="0f782150.jpg" border=0 width="130" height="21" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <A HREF="id26.htm" TARGET="_top" TITLE="Building Specifications"><U><B><IMG SRC="0f882150.jpg" border=0 width="130" height="21" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <A HREF="id18.htm" TARGET="_top" TITLE="Links"><U><B><IMG SRC="0fa82150.jpg" border=0 width="130" height="21" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <div> <A HREF="id20.htm" TARGET="_top" TITLE="Contact Us"><U><B><IMG SRC="0fb82150.jpg" border=0 width="130" height="21" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> </tD> <tD VALIGN=TOP WIDTH="619"><div> <I>"Kelly recently completed a major addition to our office building.  He did a top quality job on time and within our budget.  Moreover, Kelly was consistently accessible, responsive and personable - a real professional.  we highly recommend him."                                                          </I></div> <DIV ALIGN="LEFT"></DIV> <div> <I>-- </I> Jim & Mary Taylor</div> <div> Keystone Heights, FL</div> <bR> <div> <I>"Thank you for a job well done.  2 hurricanes, the Thanksgiving and Christmas holidays did not deter you from completing our home ahead of schedule!  You exceeded our expectations and made the process of building a house exciting and pleasurable.  Your strong principles and character are why we chose you and why we now have a beautiful and well constructed home."</I></div> <DIV ALIGN="LEFT"></DIV> <div>  -- Johnny and Valerie Mason</div> <div> Keystone Heights, FL</div> <bR> <div> <I>We're thrilled with our home and amazed at Kelly's ability to customize every detail to our unique taste.  Thank you!"</I></div> <DIV ALIGN="LEFT"></DIV> <div> -- Derrick and Amy Jefferson</div> <div> Melrose, FL</div> <bR> <div> <I>"Kelly and Kim have done several projects for us, including building a custom home.  Their high quality construction standards and personal integrity make building and renovating a stress free experience."</I></div> <DIV ALIGN="LEFT"></DIV> <div> -- Dr. and Mrs Stein</div> <div> Gainesville, FL</div> </tD> </tR> </TABLE></div> <bR> </td> </tr></table></body>