February 25, 2003

To: Elan Enterprises LLC
47-430 Hui Nene St.
Kaneohe, Hawaii 96744

From: American Saving Bank
Beryl Hamabata
Assistant Vice President of Training Dept.
Honolulu, Hawaii

To Whom It May Concern,

We, at American Savings Bank, have used the training and support services of Elan Enterprises for over thirteen years. The results have been outstanding. Through Élan's training programs our Executive committee and Managers have learned to empower their front-line teams, managed change in a creative and enterprising way, and deal with projects in a timely manner. They've also improved their communication with peers, staff and our customers.

As a result of their work, we have chosen to create an ASB Learning Institute for management and staff. Trinidad Hunt of Elan Enterprises has personally trained all trainers who teach in this in-house learning institute. As a result the team is now totally cohesive, extremely professional, and highly motivated.

We have also licensed Élan's programs and produced them as part of this learning institute. Each time our trainers teach one of these programs our department receives many positive acknowledgments from the participants. Learning has become a way of life for American Savings Bank.

We appreciate and support the work of Elan Enterprises, as we have for many years seen the positive results within our Bank.

Sincerely,

Beryl Hamabata