October 25, 1996

The Grady Law Firm
Thru Michael Dicks, Esq.
8910 University Center Lane, Suite #500
San Diego, CA 92122-2085

Dear Atty Michael Dicks:

In behalf of Virgil Courts Homeowner Association, Inc., the Board of Directors would like to thank you for sending via wire transfer to Bank of America the balance of our settlement share. We are especially pleased with the extent of your ability in protecting your client's rights and the expeditious decision of our case.

We wish you the very best in all of your cases. Thank you again for your helpful support.