Date 25 March 2004 Zoe Durman Recruitment Services PRIVATE & CONFIDENTIAL Dear Zoe REFERENCE REQUEST FOR: Simon Keith Global Home Loans Ltd hank you for your recent letter. We are happy to provide the following details. Date joined Global Home Loans 12/11/01 Date left Global Home Loans : 22/08/02 Reason for leaving Resignation Position on leaving ‘Customer Service Advisor During his employment he cartied out his duties to our satisfaction and we have nothing against his general character or integrity. Thope this information will prove useful. Please note this reference is given in the strictest confidence and with no liability on the part of the writer or Global Home Loans. Its contents should not be divulged to a third party. Yours sit cerely Sam Greenwood Human Resources Co-ordinator On behalf of Global Home Loans Ltd