16th April 1997

TO WHOM IT MAY CONCERN

This reference is in favour of Mr. Wilfred Chua whom I have known and used his services in 1996 for the sale of my apartment at 64 Bayshore Road, Unit #XX-XX, Singapore.

In my dealings with him, I have found him to be an upright, diligent, informative and friendly person. He is also a person of integrity in the way he handled the deal for me.

Wilfred is a very experienced in his job and I have no hesitation in recommending him to my friends, business associates or colleagues who requires his services.

Yours faithfully,

Cecilia Khoo Guan Neo

*Note: Signature withhold for security reason. Proof of testimonial can be requested.