Andy,

I want to drop you a note telling you how much J and I appreciate all your efforts on behalf of our investors and us. Among all the loan servicing personnel we deal with, you are by far the top performer. You are responsive, strategic in your thinking and, most of all, very effective in expediting loan resolutions in whatever form they might take. It in turn reflects well on us with our investors when we can report consistent progress in monetizing our loan portfolio based on your results.

Because of your outstanding work, we plan to send 15 new loans we recently acquired to Madison for servicing. In addition, at the end of June we will be moving 5 more loans to Madison from another servicing company because your performance far exceeds theirs. Your work efforts reflect very well on Madison, enhancing our confidence in the company.

Thank you for all your excellent work for us, Andy.

Regards P

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