We have acquired the services of an Independent Forensic Auditor who will on a quarterly basis perform a review of a group of mortgage files which will be randomly selected by the auditor. A report will be filed within 30 days of the review and the report will be made available to all investors for their review.

Auditor: Mr. Michael Kerr, CFSA (Certified Financial Services Auditor), CFI (Certified Forensic Investigator)