borrowers by establish iing reasonable payments to borrowers, and stabilize housing markets. my group had to adhere to servicing agreements that limited our ability to make loan modifications that could have helped more borrowers. in the press, it has been said that i ran a foreclosure machine. this is not an accurate description of my role at one west bank. on the contrary, i was committed to loan modifications intended to stop foreclosures. i ran a loan modification machine. when we could do loan modifications, we did them. but many times the fdic, fannie m mae, freddie mac, and bank trustees imposed strict rules governing the process of these loans. i am proud to be able to say that our bank was able to do over 100,000 loan modifications that allowed people the