We are pleased to announce the selection of Dovenmuehle Mortgage, Inc. as our subservicer for all loan servicing activities, effective November 1, 2004. We feel certain that you will continue to experience the high level of service you've come to enjoy in your relationship with Matrix Financial.

To be directed to Dovenmuehle Mortgage's website please click the following link: www.dovenmuehle.com

(NOTE: When you click on the link you will be leaving the Matrix Financial website)

You may also reach them by telephone at 1-800-669-4268

Member FDIC Copyright 2005 Matrix Financial Services Corp.