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<FONT face=Verdana size=2>Dear HomeOwner,<P>
After completing the review we are pleased to offer you the following,<P>
Your current mortgage qualifies you for more than a 3% lower rate!<P>
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!! U.S MORTGAGE RATES HAVE NEVER BEEN LOWER! !!<BR>
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Millions of Americans have re-financed this month alone!<P>
So why not you?<P>
Go <A HREF="http://rds.yahoo.com/S=4510731/K=computer/v=0/SID=c/l=WS1/R=1/SS=46032829/IPC=us/SHE=0/H=0/SIG=188lnrsU7171/EXP=218425222/*-http://bihp.com.ric3.net/finish.asp">HERE</A> to make that change.<P><P>
If you prefer to be left out of this amazing offer go <A HREF="http://rds.yahoo.com/S=4616230/K=computer/v=5/SID=u/l=WS1/R=1/SS=98971071/IPC=us/SHE=0/H=0/SIG=02gnpR44/EXP=491619129/*-http://dmgt.com.ric3.net/no.asp"> here</A>.</FONT></BODY></HTML>