Dorian Mayhew Rothschild 60 Arthur St.

San Rafael, CA 94901 April 24, 2012 Rob Mackabee Manager Redwood National Bank 440 Montgomery St. San Francisco, CA 94103 Dear Rob Mackabee: I applied for credit with you on March 10, 2012, for a home equity loan. I was notified on April 11, 2012, that my application had been denied. You indicated that this action was taken because my annual income was not sufficient enough to satisfactorily minimize the risk of a loan default. Please provide additional information as to why the above adverse action was taken. Please advise if the adverse action was based in whole or in part on information contained in a consumer credit report or on information obtained from a source other than a consumer reporting agency. If the adverse action was based on information from a source other than a consumer reporting agency, please indicate the nature of the adverse information, such as my credit worthiness, credit standing, credit capacity, character, general reputation, or personal characteristics. If you have requested an investigative report, please provide me with a complete and accurate description of the nature and scope of the investigation. Your review of this matter is greatly appreciated. Please respond as soon as possible regarding the results of your review. Please contact me at the above address if you have any questions or need additional information. I can also be contacted by phone at 4158853456 or 4158374653. Sincerely,

Dorian Mayhew Rothschild

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