1.
1. From: Gould, Elisabeth
[mailto:Elisabeth.Gould@capitalone.com]
Sent: Thursday, September 03, 2015 2:01 PM
To: Stafford, Brian L. (COF)
Cc: Brady, Mike
Subject: RE: E2849596 Talbert, Deborah- Shout Out for
Brian on this file
Hi Mike,
I just wanted to send a HUGE shout out to Brian
Stafford for being the customer advocates that
Capital One is always talking about. Brian was
there in our customer’s time of need and when I
asked him to step in and assist Mrs. Talbert there
was no hesitation. I just wanted to be sure that
you knew his efforts and follow through was very
much so appreciated and Delaware is lucky to
have a team mate such as him.
Thank you very much Brian
Elisabeth Gould

2.
2. Rhonda Waddell
A Real Estate Broker - BRE #00881339 / Notary Public
CORPORATE DEVELOPMENT, INC.
332 W. F Street, Suite B, Oakdale, CA 95361
(209) 845-0399 Cell (209) 541-6858
On Monday, September 14, 2015 2:16 PM, Rhonda Waddell
<rlwaddellre@sbcglobal.net> wrote:
Hello:
I want to personally thank Brian Stafford and Capital
One for saving an escrow at the midnight hour. Jeff
and Marisa had gone to another lender and just before
the closing, the terms changed. Brian was able to step
in and close the escrow a week early with more
favorable terms.
Hats off to Brian Stafford and to Capital One. I'm glad
to have another "Go To Lender". Thank you.
Rhonda Waddell

3.
3. From: Perry, Calencia R. [mailto:Calencia.Perry@capitalone.com]
Sent: Saturday, September 19, 2015 3:18 PM
To: Brady, Mike
Subject: Brian Stafford-Job Well Done
Hi Mike,
I just wanted to provide some feedback about Brian who I recently
worked with on a closing for one of our borrowers Joyce Rigo. I would
definitely say it was a pleasure working with him. We had some slight
difficulties with multiple last minute changes from the borrower but
Brian remained focus and kept the customers goals in mind and worked
diligently to get her closed in an efficient time while providing superb
customer serviced. If it hadn’t been for some delays through a third
party Brian would have had the customer closed in less than 20 days. I
am sure this is not the first time you have heard this feedback as you get
to work with him on a daily basis
Calencia Perry
Loan Officer
NMLS ID # 998287
7933 Preston Rd
Plano, TX 75024
Office (844)-276-4612
Cell (469) 278-3075
Fax (855)-207-4048
Calencia.Perry@capitalone.com

4.
4. -----Original Message-----
From: Karen Hudson [mailto:hudsonrn@hotmail.com]
Sent: Thursday, September 24, 2015 4:05 AM
To: Brady, Mike
Cc: Stafford, Brian L. (COF)
Subject: Home Refinance
Dear Mr. Brady,
Today I close on my home refinance loan which was handled by your
Mr Brian Stafford.
I chose Capital One because your company provided me with a car loan
which I recently paid off. Based upon that experience I reached out to
you for my new home refinance loan.
I'm very happy that my loan process went as smoothly as it did. I've
refinanced a home loan in the past with another company and I recall
what a long and difficult ordeal it was.
Mr Stafford was able to facilitate my refinance in a quick and efficient
manner. He kept in touch with me throughout the process and was very
organized and succinct as to what documents were required from me.
I was very pleased with my past experience with Capital One based
upon my car loan, but gentleman, you've knocked it out of the park on
this loan experience.
Most Sincerely,
Ms. Karen Hudson
P.S. As a single woman, I've run into difficulty negotiating business
with men in the past. No one can ever accuse your company of gender
discrimination Once again, thank you.
Sent from my iPhone

5.
5.From: irinabrown12@yahoo.com
[mailto:irinabrown12@yahoo.com]
Sent: Friday, October 02, 2015 5:52 PM
To: Stafford, Brian L.
Subject: Re: Congratulations Ms. Brown
Hi Brian,
Thank you very much for all your help. It was so
nice of you to mail the thank you card to us.
Thank you. I would recommend you to all my
friends.
With Best Regards,
Irina Brown
T-Mobile. America's First Nationwide 4G Network.

6.
6. From: Ralph Seis [mailto:ralphseis@msn.com]
Sent: Thursday, October 15, 2015 1:40 PM
To: Brady, Mike
Cc: Stafford, Brian L. (COF); Connolly, John
Subject: loan officer review
Hello Mr. Brady
This note is to express our gratitude to your loan execs, Mr. Brian
Stafford and Mr. John Connolly. These gentlemen went overboard to be
professional, courteous, knowledgeable, and most importantly-
FAST! While we are sure many organizations prefer to do business online
with little to no personal contact, we found these representatives to be
invaluable in our process. If we had a question or issue, one or the other of
them answered instantly and guided us through the process like real
pros. Having people who can answer questions and give proper
guidance almost immediately makes your organization look very good,
indeed.
Feel free to contact us if you have any questions or suggestions regarding
our pleasant and professional loan process.
Ralph and Margaret Seis
10/15/15

7.
7. From: Joel Feingold [mailto:jfeingold@comcast.net]
Sent: Tuesday, October 20, 2015 4:28 PM
To: Brady, Mike
Subject: Refi Experience
Hello Mr. Brady,
My wife and I just completed a refi of our primary residence (switching from
a Capital One variable rate to a fixed rate mortgage) and I wanted to tell you
how pleased I am with the service and support extended to us by Brian
Stafford and your team.
I had looked into refinancing with several other banks (BofA, Quicken), but
even though we are a high-income and net worth couple with credit scores
over 800, it was an awful experience. Their rates and closing costs were
high and the documentation requests were trivial and intrusive.
Brian promptly answered all of my questions and “went to bat” for me with
the underwriter to smooth out some minor issues. John Connolly was also
very helpful, the appraiser did a very professional job, and the closing
notary agent was efficient and personable.
All in all, it was a relatively painless experience even though my financials
were a little complicated because I own a business and several real estate
properties. But I can tell you without any reservation that Brian made it
happen and I would not hesitate to recommend him to my friends and
family.
Regards,
Joel Feingold
Quakertown, PA

8.
8. From: Trent Porter [mailto:t_rentporter@yahoo.com]
Sent: Tuesday, October 20, 2015 5:47 PM
To: Stafford, Brian L. (COF)
Cc: Connolly, John; Brady, Mike; Jennerich, Matthew
Subject: Re: Congratulations on the Purchase of your
new home / E2155771
Brian,
Thank you for the amazing news! While we
had some miscommunication upfront, your
commitment at that time to exceed my
expectations was met a hundred times over.
Thank you for the extra touch, care and time
spent working with me. It was a pleasure and
I will be happy to participate in the survey
you mention below. I will get back to you on
moving up the closing date, but once again,
thank you for your hard work and the
awesome news!
Trent

9.
9. ‐‐‐‐‐Original Message‐‐‐‐‐
From: Chase Bohannon [mailto:dcbohannon1@gmail.com]
Sent: Thursday, October 29, 2015 5:12 PM
To: Brady, Mike
Subject: Brian Stafford performance
Hi, I will keep this short but just want to say how helpful Brian
Stafford has been during our refinancing process. We could not
ask for a better representative from Capital One. Because of his
courtesy and professionalism I will refer everyone I know to
capital one, and I work at a bank!
Thanks again and again,
Chase Bohannon
Sent from my iPhone

10.
10.From: Mark Pickard [mailto:mark.pickard@scottriceok.com]
Sent: Tuesday, January 26, 2016 11:41 AM
To: Brady, Mike
Subject: Brian Stafford
Mike I applied for my loan on 1/2/16 starting working with Brian Stafford
on 1/6 or so. Sorry my memory
Is bad due to my migraines. When Brian took over the loan all the
information when thru very quickly. Looked like
The loan was going to be tied up at the title company. Brian pulled his
magic and should be closing mid Feb versus
End of Feb. Brian is very professional and passionate it his work. I have
given his name out to people that are looking
for refinance. Just wanted you to know what an AWESOME job he
has done.
Mark Pickard
From: Brady, Mike [mailto:Mike.Brady@capitalone.com]
Sent: Tuesday, January 26, 2016 10:53 AM
To: Mark Pickard <mark.pickard@scottriceok.com>
Subject: RE: Brian Stafford
Mark – thank you for the feedback and refinancing your loan with Capital
One. You were in good hands with Brian and glad you had a great
experience with your loan and he could pull off his magic! Brian is a great
representation of Capital One and proud he delivered a great experience.
Thank you,
Mike Brady

11.
From: Mark Pickard [mailto:mark.pickard@scottriceok.com]
Sent: Tuesday, January 26, 2016 11:55 AM
To: Brady, Mike
Subject: RE: Brian Stafford
I am in service sales, I can tell when someone is passionate in their work
and Brian is passionate.
Thanks and have a great day.