May 19, 2002

Dear Penny,

I want to thank you for the money that you gave to my family when we were at our most desperate and about to lose our home. With myself not working, and three little boys, Harry and I were at wits end to figure out how to keep our home from being foreclosed.

Without having any obligations to us, you came to the rescue after my mother, Anna, told you about or desparation. You never asked us to give the money back, but told us to help others in return when we were able to do so. You saved our home with that $3,500. Many people have talked about helping but you were the only one who did it.......my only regret is that is has taken me two years to thank you for not only saving my home but also for giving me peace of mind.

With Sincerest gratitude,

Mary, Harry, Eric, David and Daniel