19 December 1984
 
To Whom It May Concern
 
Kenneth Dane Muir
 
Ken has been known to me for the past eighteen months but has maintained accounts with ANZ bank since 1974.
 
During this time he has proven to be honest and reliable in his dealings with us.
 
Over recent years he was involved in the rapid development and expansion of the family drainlaying business (since disposed of) where he has displayed good business sense and management skills.
 
I consider him capable, conscientious and he should acquit himself well in any vocation.
 
R C McNulty
Manager
 
ANZ Bank
Frankton
Hamilton
New Zealand