Account update Roy

Sat May 14 07:04:11 UTC 2005

Dear Homeowner,

You have been pre-approved for a $402,000 Home Loan at 3.45% Fixed Rate.

This offer is being extended to you unconditionally and your credit is in no way a factor.

To take Advantage of this Limited Time opportunity all

we ask is that you visit our Website and complete

the 1 minute post Approval Form.

Best Regards,

Diana Jimenez
Regional CEO

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