May 27, 2004
To Whom It May Concern:
I have been associated with Roy Gearhart and Gearhart & Associates since 1990. During this initial service, I quickly found that Mr. Gearhart was a very thorough, detail oriented, and accurate person. Since that time, Gearhart & Associates has done many services for The Citizens Bank. These services include, several core system hardware and software upgrades, branch bank software conversion, whole bank software merges, and software development only to name a few.
I know I can trust Gearhart & Associates for a professional job with low to no impact on the user and our customers. Whenever professional services are needed, Gearhart & Associates is always the external service provider at the top of our list to contact.
Gearhart & Associates has the expertise to get your job done.
Michael A. Lloyd
The Citizens Savings Bank
Senior Vice President and CIO
mlloyd@thecitizensbank.com
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