Date 24" October 2003 Our Ref: SG Direct Dial:01322 426255 Laura Sherlock Royal London PRIVATE & CONFIDENTIAL Dear Laura REFERENCE REQUEST FOR: Mr Simon Keith Global Home Loans Ltd ‘Thank 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 Position on leaving 2 Customer Service Advisor Reason for leaving : Resignation During his employment he carried out his duties to our satisfaction and we have nothing against his general character or integrity Thope this information will prove usofal. 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 sincerely Sam Greenwood Human Resources Co-ordinator On behalf of Global Home Loans Lid