"Dear Lloyd" Emails
	Below is a collection of emails to Lloyd from Point Center Investors indicating that perhaps he has very few people who share his views.

	Dear Lloyd
	Dear Lloyd: "You asked for my opinion once I received the Point Center mailing which I did today. So here it is. I am, of course, an investor through Point Center in the mortgage pool known as National Financial Lending, LLC. I fully understand your concerns, Bob. First, as to the many court cases in which Point Center is or has been involved, I note that many of them go back a decade or more. A number are recent, but that is to be expected in the economic situation that the entire real estate industry is facing, as well as what the national (no, world) economy is facing. It would have been interesting to know the outcome of those cases, most of which likely have been closed, many long ago. Bear in mind that anyone can sue for literally anything, just so long as it cannot be construed as frivilous; in an economic situation such as this I can see many disgruntled people filing suit for lack of anything better to do. And note that Point Center is plaintiff in many cases; to me that indicates that they are pro-actively addressing the problems and forcing appropriate legal actions on behalf of investors. As to the increase in management fees, I can understand how such is necessary in order to do the job that needs to be done. Point Center has a tiger by the tail, and I'm sure it is no fun to work there in the current hectic real estate and financial environment! As to the removal of accrued interest on loans and conversion to a cash basis reporting method, a bit of background on the accounting approach to real world activities: Point Center realizes that the accruing of interest income that may never be paid is merely fooling everyone concerned. Likely Point Center's outside auditor has recommended this change in the interests of conservatism. I concur that this is a realistic approach. But there is one other aspect that still concerns me: I am fearful that the final year-end 2008 financial report may well need to show some major writedowns in values - writedowns that have yet to be mentioned to investors; although I am expecting that, I hope that those writedowns will not be overly severe. (But facts must be faced, and losses will have to be recognized to the extent appropriate.) I have been small-time in my own personal hard money lending business. I have been experiencing the same types of problems that Point Center has. I can truly visualize the situation they are facing, and appreciate the diligence with which they appear to be acting. Actually I am quite pleased that they are willing to stay in this for the long run and not force us to find another manager to attempt a rescue. Our best bet is with Point Center as long as they are willing and able to effectively represent our interests. We must remember also that the management and employees have personal investments at risk in Point Center's operations - so they all have an incentive to work the best deal possible for all investors. As to Lloyd Charton, I really don't know his gripe and whether it has any merit at all. However, I can fully understand that the ruckus he raises along with some other disgruntled investors is causing unnecessary resources to be devoted to his actions and those of his cohorts. His activity is part of the reason, for sure, that management fees need to be raised. I really wish that Charton - unless he has a truly strong case - would cease and desist in his attempt to disrupt Point Center operations. We are all hurt substantially by that. I hope you will forgive me for copying Dan Harkey and Gwen Melanson on this email. However, I hereby give permission to Point Center - until further notice - to use this message of mine or any part thereof that they desire in any way they see fit. I don't have a crystal ball, but what I see so far gives me a degree of confidence that Point Center is approaching matters in the best way possible - and I wish them the best in their endeavors.” " - Investor
	Dear Lloyd: "You have invaded my space twice now via the USPS. I have to wonder if you are crazy or just plain stupid? You want me to believe that Dan forced you to invest with him. Like, he forged your signatures on the documents and forced you to write an investment check. Think you are over 21 years of age and maybe you should be accountable for your own actions instead of painting a picture of being a victim. All you will accomplish is to insure that all of the investors make less since you want to run up the cost of the pool to defend your legal action. Why don’t you just add more insult to the current injury? It is bad enough we are all losing money, but if you had it your way we will all lose more money. If you were wondering why there is a problem with the pool investments, just look around. There is a crisis in the mortgage industry, or have you not heard about it? I did some checking and I have other financial interests in competing mortgage pools from Alliance Financial to Blackman and Blackman and all are in the same boat as the NFL. Sure, I would be concerned if the NFL were the only investment that was going south, but they all are. My good friend has money in REITs and they are all in the tank right now. This is an industry wide problem and not just one that only affects you. Incidentally, the NFL has investments in Commercial Properties. When was the last time your read the monthly statements? Dan is not really our fiduciary. He does work for us, but we have also given him the rights to make certain decisions on our behalf for which he earns a fee. If Dan has a million dollar car collection and lives the high life more power to him. This is what free enterprise is all about and that is being able to enjoy the fruits of your labor. Dan created a way for hundreds of people to share in the American Dream with little risk and you are one of them. We all have benefited from Dan’s ingenuity and work ethics. So, how do you repay him, but to dump on him when he could use some more support instead of more criticism. I am not saying that Dan can not be difficult, but so can I (And it appears that you are no saint.) I have had my differences with Dan, but it stops there and when the chips are down Dan has always been there to support me and all the other investors. Recently, I had some decisions to make with Dan and I had to say no to him because I felt it was in my best interests to say No. After that decision was made it is back to business as usual. Just because Dan and I do not agree on how to do things it does not mean Dan is doing something illegal. I still have no evidence that Dan has done nothing, but to look out for the investors interests as best he can. So, you want to know if I will participate, but do not want my opinion. Only a fool would be dumb enough to participate in your folly. There are no winners here…All you will be doing will be to run up the costs to the investors while reducing the distribution from the pool that s already hurting. You have made it clear that you are a big investor. Well, I am not a big investor, but my investment is important to me by making my house payment, so I will not look kindly to anyone that messes with my ability to make my monthly house payment. Every penny you take away from my house payment is one more penny I have to dig from my own pocket to remain in the house I live in….Get over it!" - Investor
	Dear Lloyd: "It is interesting that you are not taking responsibility for your neurotic ramblings that you are sending to Point Center Investors. I usually do not respond to unsigned e-mails however in this case I will as we all know the identity of the writer. Listen, Lloyd Charton, you need to discover some other interest in your narrowly focused life. The 'rage' that is driving you to spend all of your time attempting to bring down Dan Harkey is misguided at best and possibly reflective of a deeper more troubled personality. All of your efforts, should they be successful, will have a negative impact on all Point Center Investors." - Investor
	Dear Lloyd: "I believe you are an unhappy neighbor of Dan having a feud. Like the feud between Hatfield’s and McCoy’s! Kentucky hillbillies! Stop trying to force Point Center to waste our money on your ignorant allegations and lawsuits. You have got John and Ken involved, who love to make news on this so-called “pyramids”. We are in a real-estate crisis in this country. I suggest you support Dan in giving him time to get us out of this. Investors receiving these emails from Lloyd please do not support him before he looses all our investments through his selfish lawsuits." - Investor
	Dear Lloyd: "We have received two "POUTY" letters from you. We have also received a phone call from your "son" wanting us to support your agenda. We spoke to him for at least thirty minutes. Incidentally, he did not seem to grasp on how Point Center operates. We are also substantial investors. However, unlike you I do not want or expect special treatment. My sincerest advice to you is to drop this charade. Reading between the lines of your letters, you may benefit from some psychiatric help. I am not accusing you of being mentally impaired but a little help might relieve your anxiety during this difficult time for all of us. We can not support your divisive and ill conceived action." - Investor
	Dear Lloyd: "I will make this brief. Investigate what? The real estate market is in a mess. You should be thanking Dan harkey, he is looking out for all of the investors. Just like a lawyer. You only need three to five thousand to start. I thought you said you were retired. Are you A. Greenspan? Let go. Retire." - Investor
	Dear Lloyd: "This should give you food for thought about the mess you are stirring up over OUR INVESTMENTS! I will not be giving you any funds for ANY ATTORNEY fees what so ever. I am willing to wait for the real estate market to straighten out." - Investor
	Dear Lloyd: "I left a voice mail message in response to your letter suggesting undertaking legal action against Point Center Financial (PCF). I did not receive a return call from you. I have been involved in commercial real estate lending, workouts and REO for over 25 years with a major bank in California. As you should know, real estate cycles come and go, and they can be quite unpleasant in downturns such as we have now. As an investor with PCF, I am very much opposed to taking legal action. Doing so will cost the investors money, and will needlessly drain money and management focus away from PCF's more important task which is to deal with the current real estate downturn. I would urge you to discontinue any plans you may have to begin legal action against PCF." - Investor
	Dear Lloyd: "If you do get a special deal and get out ahead of any of my investors that are on the wait list, I will come after you to share your liquidity will everyone else. Like you said, we are all in the same boat." - Mark Van Mourick, Investor and Financial Planner
	Dear Lloyd: "Dan Harkey didn't loose our money. He invested it the way we paid him to and the market environment deteriorated. I have invested with Dan for almost 20 years and have always gotten a fair deal. I feel the same today. Like I said, do your homework before you complain." - Mark Van Mourick, Investor and Financial Planner
	Dear Lloyd: "You are wasting your efforts. Read the documents that you signed. You agreed that this is a speculative investment and you could loose your money. Now that market conditions are weak, you do not want to be responsible for your decision to invest. I have 30 investors in the fund that you are upsetting with this personal vendetta. It would be much better for everyone that you behave like a gentleman and uncover a real problem on your own time instead of making wild unfounded accusations. If you find something specific that has been done contrary to the operating agreement, we would all like to hear about. Until then, mind your own business." - Mark Van Mourick, Investor and Financial Planner
	Dear Lloyd: "I don’t know how much you have in NFL, but we have about $20 million. I received your letter but it is unclear if you have yet to sit down with Dan Harkey and ask your questions. I have done this every few months over the years and have always had my questions answered candidly and quickly." - Mark Van Mourick, Investor and Financial Planner
	Dear Lloyd: "You must not realize the state of the real estate market. It is grim. Based upon my understanding of facts, Point Center is doing a commendable job of staying afloat. I have some RE investments away from Point Center, however in the same market. They, like ours, in Point Center, are ‘underwater’. I urge you to be patient and not use dollars unnecessarily in pursuit of unrealistic goals." - Investor
	Dear Lloyd: "I think that it is time you stopped being a negative distraction to the business of Point Center and the other investors. You remind me of Newt Gingrich, Rush Limbaugh, Ann Coulter and the other bitter losers. You took a risk. Take responsibility for it. We have all lost here. We are hardly the only ones. You cannot blame this all on Dan Harkey no matter how much you may like to. I have lost my retirement funds and my children's college monies, almost a million dollars. So instead of crying and name calling, I am working to keep the ship afloat. I suggest you stop your little war, get over it and go back to work if you are competent to do so, and if not, do something else with your time. Because what you are doing is not productive, and not going to change anything, and is certainly not helping the collective problems of Pt Center investors. Take me off your email list and stop harassing the employees of Pt Center, who are trying to preserve OUR assets for the good of ALL of us." - Investor
	Dear Lloyd: "My name is [Investor]. I am a Certified Financial Planner who, along with many of my clients, have invested in the Point Center Mortgage Pool. I am in receipt of your letter regarding your concerns about the way the pool has been managed. I must tell you that in all my and my client's years of dealing with Dan Harkey and Point Center, there has never been any doubt about their level of professionalism. As a financial planner, one of my greatest challenges is to help my clients build proper expectations about their investments. Investments with potentially higher returns (such as sub-prime trust deeds) carry additional risks than do more conservative investments. These risks include more volatility and lack of liquidity, which should be taken into account when deciding to invest in these types of assets. Obviously, maintaining proper diversification and adequate liquidity mitigates these risks. Since you claim to be one of the larger investors in the pool, and that you are very concerned about the current "frozen" status, I can only assume that you may not have properly taken these risks into account when you invested such a large amount, and that you may not have enough liquidity from other sources to ride out the current economic downturn. If this is the case, I am sorry that you are in that situation. However, to assume that Point Center could have foreseen the severity of the "impending downturn in the residential development sector" (i.e., the subprime mortgage industry), seems somewhat ridicules when the majority of the financial and governmental institutions across our country didn't see it coming. If this was an isolated incident involving only Point Center, I might agree with you that things had been mismanaged. That, however is not the case. Indeed, at a seminar Mr. Harkey presented for my clients, he spent a great deal of time discussing the risks and potential lack of liquidity when investing in trust deeds. While we are all concerned about the current state of the mortgage pool, I believe (as do my clients), that giving preferential treatment to one shareholder is not in the best interest of the rest of us. The last thing we want at this time is to have to sell properties at fire-sale prices to generate the cash needed to liquidate your position. Nor do we wish to incur the inevitable delays and legal costs associated with trying to remove Point Center as manager of the pool. Our wish is that all of the attention of the people at Point Center be aimed at resolving the loans that are in arrears/foreclosure, not in fending off potentially meaningless legal battles. If, during your investigation of the underwriting documents you find factual, incriminating information that warrants further investigation, we would of course be willing to discuss this matter further. However, without a more compelling argument than addressed in your letter, we cannot support you at this time." - Investor
	Dear Lloyd: "I disagree with your efforts to investigate and sue Point Center Financial, Inc, (PCF), Manager of the National Financial Lending, LLC. Threatening litigation will only distract PCF from doing its job of performing its loan servicing responsibilities and dealing with working out the troubled loans of the pool. The investments in NFL are already at enough risk as a direct result of current market conditions. I will not contribute any money towards your investigation or support your planned litigation efforts, which will only cost all of the investors in the NFL pool more money and further reduce the value of all of our investments in NFL. Most importantly, your request to redeem your investment before the loans mature or foreclosure proceedings are completed constitutes preferential treatment, is inconsistent with the terms and conditions to which all of the investors in the NFL pool agreed, and would be unfair to the rest of the investors in the pool. Furthermore, it is neither allowed by SEC rules and regulations and would violate PCF’s fiduciary responsibilities as Manager of NFL. As a retired attorney who has invested substantial amounts of money into PCF’s NFL pool, you should know better than to rely on alleged verbal representations made to you regarding the types of real estate in which your money would be invested or any guarantees about your investment relative to other investors in the pool. The Offering Circular made it clear that the LLC would invest in all types of real estate, including but not limited to, single family homes, multiple unit residential property, commercial property, and unimproved land. Lastly, the default rate of the NFL pool, especially in a declining real estate market, is not surprising. The Offering Circular also clearly disclosed the underwriting standards that the LLC will be relying primarily on real property security to protect its investments rather than the creditworthiness of its borrowers and that the LLC is likely to experience a borrower default rate higher than would be experienced if its loan portfolio was focused on borrower creditworthiness. The Offering Circular clearly disclosed that investments in NFL are highly speculative with significant investment and business risks that place investors’ entire investments at risk. If you did not carefully review and consider the risks associated with the mortgage lending activities of the NFL investment pool, the Offering Circular clearly disclosed that investments in the LLC are illiquid and subject to substantial restrictions on withdrawal; involve significant risks including investment risks, business risks, and Income Tax and ERISA Considerations; shares offered should only be purchased by investors who have no need for liquidity in their investment; transferability of shares is restricted by the Securities Act of 1933 and Rule 147 thereunder and by the provisions of the LLC Operating agreement; investors must be capable of bearing the economic risks of the investment with the understanding that the shares may not be liquidated by resale or redemption; investors should expect to hold their shares as a long-term investment; and investment in the LLC is speculative and each investor assumes the risk of losing the entire investment. I do not condone your efforts to investigate and sue PCF. I would prefer that you take into consideration the risks that all investors in NFL were made aware of before investing in the pool and let PCF do its job without the distraction of having to respond to threats of litigation." - Investor
	Dear Lloyd: "We received your letter over the weekend. After reading it, we have several comments. It is apparent that you are not aware of the “real world” and the seriousness of the real estate market. The real estate market is in the toilet and it may get worse before it gets better. Dan Harkey/Point Center doesn’t control the financial markets and neither do you. Were you looking to sue Dan Harkey when times were good? Hell no. You gladly took your reinvestment – right? But now that times are tough, you think you have the right to harass and intimidate and threaten. Here’s a real eye opener – your home on Ritz Cove has lost thousands of dollars in value. Are you going to sue the federal government over the economy? Being a so called lawyer, didn’t you read the contact before you signed up with Point Center? It clearly explains everything! It was your choice (yes, your choice) to join an investment pool, yet somehow you believe Dan forced you into this. Get over yourself! You had a choice just like the rest of the investors. Sure we’re all nervous about our investments but the reality is we’ve all got bigger fish to fry than worrying about Dan Harkey. If you don’t believe us, turn on the nightly news. Look within yourself for blame. If you wanted to play it safe, you should have placed your money with a bank. Maybe it was your greed. Banks pay around 1% to 2% interest and Point Center offers a huge return on your money. Hugh returns = risk! Lastly, do not ever contact us again. We are requesting you immediately remove our name, address and email address. If you continue harassing Dan or anyone else involved with Point Center (employee and/or investor), we will join forces to sue you. Think about this: All Dan has to due is file a Bankruptcy - what do you think your investment would be worth then? ZERO. Let Dan do his job. Dan’s been in the business many years and we trust his decision. He’s seen good times and bad times - BUT he’s always pulled us through it. Figure out a way to do something good for this world instead of wasting your life on threatening to sue someone." - Investor
	Dear Lloyd: "Having received and read your latest E-m, I still have some [questions] and thoughts regarding the contextual matter in it. First: Of all in Paragraph 1, last sent. We are not all in the same boat for there is no one else among the some 1,500 investors that are threatening to sue Dan on the issues of Economic down fall in the Mortgage Industry. Just for your own edification this down fall in the Mortgage has reached many part of the country and world. Second: When you speak of loans going bad it seems to me that you have not kept up with the news regarding mortgage loans. I personally have tried to help several friends regarding their loans and in one case in particular I know, for a fact, that the sales agent pulled a scam on the buyers who do not speak or read good English so it was rather easy to "Dup" the couple but unfortunately it was to late before I became aware of the set up and they lose their house. By the way, this down fall did not just effect the mortgage market but also the whole Economy of loans. It is unfortunate that you think you need some body to blame and not see the issues for what they are and that is plane and simple a down turn in the over all mortgage market as well as commercial property market. Third: You speak of Dan being your neighbor. SO WHAT?? What is your point? By the way, have you told people that Dan gave your Daughter a birthday present of a size amount and also went to her play etc etc. This doesn't strike me as a "Hustler", trying to "Dupe" people or scam them. In Paragraph seven (7) You seem to ramble on and on regarding guarantee this, guarantee that. Well, it seems to me that if you had that conviction about the investment you should have taken it to a Lawyer ops, as I understand it you are a lawyer. Well then you would have still taken the deal to your Lawyer friend to get his point of view before you SIGNED the papers as to understanding of the terms and conditions. Now in the last sent of Paragraph 7 you say ...So, the deal was rejected by me. Hmmmmm, how did you become an investor if you rejected the deal. Now you see, that if Dan had given in to you regarding special consideration and refunds he would at that moment been breaking the Law and speaking for myself, I would have been all over that issue like "Crap on the floor". Also, in Paragraph 8 you talk about this jet airplane. I confess that I am totally confused what you are referring to in Paragraph 8 when you spoke of money down on a jet, Car collection, building a billion dollar Co., and taking a million dollars a month in profits from the business and more. I assume by this declaration you spout about that you have direct proof of all this or are you just Pontificating and puffing while you blow smoke to create a dark cloud to unprofessionally distort the truth as it really is. Fourthly: It seems to me with all this Info. you have about Dan, who, by the way, has his own money in the projects as do many of the employees have, which gives some credence to the confident and honesty of the people who are running this show. I would suggest Lloyd, that you join the good and rational side of this issue and not spend so much time on areas that seem to make you feel egotistically power and in control of something that you are neither extra special or more super important than any one else in this project. In closing, I would suggest that you give real serious thinking to what your psychotic ambitions are doing for by your own words, "We are all in the same boat". Please be aware that the boat doesn't tip over with you, only, in it. It is called reversal of fortunes." - Investor
	Dear Lloyd: "My Granddad, who was a respected business man in St. Louis, used to tell me to be wary of your partners. Unfortunately, in a venture such as National Financial Lending, one cannot pick their partners. It seems that you are one of those my Granddad told me to be watch out for. My Grandma always added, "If you can’t stand the heat, stay out of the kitchen" So it would appear that you loose on both counts." - Investor
	Dear Lloyd: "After studying your letters I have come to the conclusion that you somehow expect special treatment in getting your principal out. I don't think you deserve or can expect such behavior. We all will have to wait until each loan matures or foreclosed property is sold to get our proportionate share out. The financial climate for lending in real estate is bad. Your behavior to and harassment of Dan Harkey will not help us investors to get our principal out any sooner. On the contrary, what you are doing and proposing to do will cost us money. I will not give you one cent for your endeavors. If you get your principal in disproportionate amount before me, I will join in a lawsuit against you. Also if you don't stop harassing Dan Harkey, I will join in a legal action to stop you from this harassment. You don't have the best interests of the investors in pool. It is time for you to cease your activities and let PCF, which has been in business for 35 years, work its way through this financial downturn." - Investor
	Dear Lloyd: "I have been an investor for a dozen years or so with Point Center. I have always been pleased with the results in good times and how Point Center has dealt with the problems when they have occurred. It seems that in the bad situations Mr Harkey has worked them out to satisfaction of the investor. I believe that he was successful in getting satisfactory results because Point Center has been prompt and complete with the appropriate papers, filings and time lines. I would say the fact that we are in this downturn and its problems were not created by Point Center or Mr Harkey. I think it would be a mistake to pursue the course you seem to be on, unless there would be reasons. It seems that this may only erode your and our investment. I do believe you have the right to ask for and examine some records, however I think its best to let Mr Harkey and his staff concentrate on the problems and what can be done to protect our investments." - Investor
	Dear fellow investor, Mr. Lloyd Charton: "This e-mail is in response to your letter I received in first week of April 2008. I am concerned about my investment as you are and would like to cash out as much of it as possible and as soon as possible. For this reason I do understand your frustration. I have requested in writing to withdraw portion of my investment in May 2007 to be used for medical treatment. I was told by PCF that my name was put on waiting list and I will receive the amount in few months, as soon as I wait my turn. In few months I learned PCF froze the pool to be fair to all investors. This is not what I needed to hear, it caused serious problem for me and I had to make other arrangements. However, this gained my respect for PCF and assured me that the company is concerned about fairness and is guarding the best interest of all investors in the pool. I realized under these circumstances no investor should have a preferential treatment. I have been investor with PCF for 6 years, never had any problems and have no reason to believe there is any wrong doing in the company. In your letter you mention downturn in the residential development sector. This downturn is nationwide, it is very serious and it may take some time to turn around. However, this downturn is not caused by PCF. It is counterproductive to blame the company. Also, this is not the time for individual investors to ask for special consideration nor it is time to cause disruption in the company. It is time to support PCF in efforts to workout all loan issues in the best interest of all investors. Let their knowledge and experience get us out of this situation with the best possible outcome. I urge you to stop your investigation. Your actions will only hurt the pool. Your actions will take time, money, energy and focus away from the important issues to be worked on. For these reasons I can not support you. I know of other investors in the pool who as well as I do not wish to use their money for lawyers and who do not wish PCF waste their time on defending the company practices. Plain and simple - we want our money and we want PCF to use all resources for this goal. As you correctly stated we are in the same boat. I hope you realize the best chance to get our money is to be supportive to PCF and not to sabotage its efforts." - Investor
	Dear Lloyd: "I am sending you additional information as a result of further investigation. I feel this is not a matter of trust but rather a matter of what is best for the "POOL". It is my understanding that you have had access to various sources of information and documents and also a hearing in mediation and numerous individuals, investors and non investors feel you have been granted more in site than most investors and as such it seems to me that you are still set on phantom quest to disrupt the "POOL" and bring unfounded grief to all others in the 'POOL". Also, no matter how rich you are in relation to all others in the "POOL" or how much you invested in relation to all others, the rights of all individuals are the same whether you invested $1.00 or $1Million Dollars and that is a fact for you can take that to the bank! As far as your accusations regarding the "....impending downturn in the residential development sector," you may want to read the news from the last months regarding the WHOLE Real Estate Market. The loans in our "POOL" have been in effect for over a year or more. As far as, ....”whether there was a conflict of interest," I feel you are way off base since the officers and other personnel within Point Center are also in the same position and all other investors and their risk are the same and therefore why would they do something illegal that would damage their investments and more or less than ours or all others in the "POOL"? Finally, for you to ask or expect special consideration because of reasons unknown to most of us is ridiculous as well as illegal. I would sincerely hope that you would reconsider your position and instead, put forth your knowledge and energy to the positive side of these issues rather the negative approach. Please take these points in a professional tone and if I have miss stated any issues please inform me of such." - Investor
	Dear Lloyd: "I am in receipt of your undated "Dear fellow investor" letter. Upon receipt of the letter, I contacted Mr. Harkey and had (as usual) an informative and satisfying conversation with him. Two aspects of your letter particularly dismay me. From what you have written to Mr. Harkey, your letter is apparently motivated by Mr. Harkey's refusal to award you preferential treatment over the other investors. You describe yourself as "one of the larger single investors in the pool." Although I believe such a description is pure hyperbole, even if it were true, I fail to grasp why you think this merits you special treatment. My investment is as important and significant as yours (a reality I am willing to defend legally), and I think it speaks to Mr. Harkey's good business ethics and rational management style that he refused your most questionable overture. I am even more dismayed by your apparent willingness to take hostile action against Mr. Harkey and NFL/PCF. I vigorously oppose any antagonistic posture that would threaten the stability of the pool and a long-term resolution of its present difficulties. The present economic realities are, indeed, challenging. Saber-rattling does nothing to improve the long-term health of our investment strategy. I find the tone of your letter more frightening and offensive than the actual financial crisis itself. I have done business with Dan Harkey for almost twenty years. I trust him. During this long period of time, my experience of his expertise, ethics, and management skills has been superb. If you have personal difficulties with Dan, I certainly recommend you resolve them between yourselves and not exacerbate further an already troubling situation." - Investor
	Dear Lloyd: "Thanks for your email. I have recently retired after over 50 years in the residential building and development business, and I feel that following your path will be very dangerous, expensive, and hurtful to all of the investors. I have been through cycles like this before, and with patience and intelligent planning they usually work out. If they are involved in litigation, they often become untouchables and a drag on the market." - Investor
	Dear Lloyd: "Gee Lloyd, you sound like a school boy going to take the ball home. Sorry...we all own the ball. Back off and let PCF keep the game going." - Investor
	Dear Lloyd: "I received your recent email about your concerns re PCF. I am also concerned about my investment. However, as an investor I try to stay 'diversified' in my portfolio. I expect (and have experienced) 'downturns.' Also, I realize 'risk and reward' go hand in hand. Regarding PCF, my thoughts are as follows: 1)  I have complete faith and trust in the management of PCF. Dan Harkey and Gwen Melanson, in my opinion, are about as trustworthy business people as you can find. 2)  I realize the additional risk I was taking to get the interest rates of the PCF programs. 3)  I think the situation will 'turn around' and that PCF investors need to be patient and allow the PCF management to do their job. What we don't want are a bunch of 'fire sales.' 4)  Any litigation against PCF would be a grave mistake. The investors would be paying the legal costs which would decrease the value of our investments. Also, as an attorney you know that any litigation could seriously hinder PCF's ongoing business activities and could possibly result in more dire circumstances for PCF. I do not want to see my PCF investments put in jeopardy. I do not know whether or not you have sat down with Dan Harkey and diecussed your concerns If not, I recommend that you do so." - Investor