September 21, 2001

Dear Karen & Zachary,

I want to say how sorry we are for your loss. Rich was a great person. The people here at Salomon Smith Barney who knew him are saddened by the loss of such a brilliant, kind, patient and understanding man.

When Smith Barney started up the Forex Dept. we used Zaj*Net software at the time Rich was working for Zai*Net. I can remember making phone calls to your home at ungodly hours because we had to manually back up the system and when there was a problem, we would call Rich and wake him up. Never did he once get angry or lose his patience, although most of us would if we were woken up at 11 PM on a Monday night. I had the utmost respect for Rich, he was the kind of person you would ask for his advice and when he gave it to you, you would listen. It is a great loss for your family and his business family as well.

May God Bless and keep you strong at this time of great tragedy. Our prayers are with you.

MaryLu, Patrick and Lauren O'Donnell

(MaryLu O'Donnell, former colleague from Smith Barney)