I am writing this letter to the qualification of Scott Hoth as a Real Estate Appraiser. I am the Vice President/Operations of Eastland Financial Corporation. Eastland Financial Corporation has been in business since 1994. We are a direct lender with FNMA, FHA, and VA approved status.

Scott has been doing appraisals for Eastland for the past fifteen years. During this time, he has performed numerous appraisals for us, including multi-million dollar estates, standard and complex SFR's, PUD's, Condos, and 2-4 unit properties.

We initially started using Scott when he was placed on a list provided by Washington Mutual of Appraisers whose work did not require an appraisal review due to their quality of work. Scott was on that short list. He has been on our approved panel ever since.

I recommend Scott without reservation. He is professional and thorough. He completes his assignments in a timely manner and is always courteous to our staff and clients.

Maureen Cahalan

VP/Operations

mcahalan@4eastland.com

Licensed by the California Department of Corporations #4131169 - NMLS: #187760

My name is William Horwitz and I am writing this letter to highly recommend my colleague, Scott Hoth. I received my California Appraisal Trainee license in November 2001. I believe I am qualified to recommend Scott Hoth because I have known him as a colleague for 13 years; I was trained by him how to be an appraiser, and worked for him for approximately 3 years. I can attest first hand to his appraisal and real estate knowledge and integrity. I found him to be extremely honest and dependable. To this day, I still call Scott and ask him questions and advice when I have a complex appraisal. His insight is invaluable. He always takes the time to answer any questions that I have to make sure the appraisal is done right. This is why I have no hesitation in writing reference letter for him.

I cannot think of a more professional and knowledgeable appraiser. I highly recommend Scott without any reservations.

Sincerely,

William Horwitz

Californian Certified Residential #028475

I am the owner of a national Appraisal Management Company, AAA Appraisal Advantage, Inc. (AMC#1315-CA), and I also am a licensed appraiser (AL022433) with the State of California. I have known Scott since the mid 1990's when I was hired by Scott as a staff appraiser. I worked closely with Scott for about a year before I moved on as a staff appraiser with DiTech Funding. I have known Scott both professionally and personally for over 15 years and appreciate the knowledge I learned from him when I first entered the profession. I am fortunate to have been trained by him.

My company, AAA Appraisal Advantage, Inc. has used Scott to appraise properties in Camarillo County as well as highly complex properties in difficult areas such as Malibu and Pacific Palisades. I have never received a complaint from an agent or borrower and appreciate his professionalism. In addition, I have received positive comments from loan officers relaying information from the borrower about how professional Scott was. These positive comments are somewhat unusual as most homeowners will only complain about the appraiser being late, unprofessional, poor comp selection, etc.

I highly recommend Scott Hoth as a real estate appraiser. I can always depend on him to get appraisals done in a timely manner. He has always proven to be reliable, loyal and trustworthy. If you have any questions or concerns, I may be reached on my personal cell phone at 714-742-9980 or my office at 714-960-6333.

Sincerely,

John Bates President/Owner

AAA Appraisal Advantage, Inc.

2130 Main Street, Suite 230

Huntington Beach, CA 92648

jbates@aaaappralsaladvantage.com