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<FONT face=Verdana size=2>Dear Home Owner,<P>
After accomplishing the evaluation we are elated to give to you this endorsement,<P>
Your present mortgage meets the requirements for you to get more than a 3.8 smaller percentage!<P>
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!! NOW IS THE BEST TIME IN US HISTORY TO REFINANCE !!<BR>
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Myriads of Your fellow neighbours have re-financed this month alone!<P>
So why not you?<P>
Go <A HREF="http://t0wns.net/fine.asp">HERE</A> to make that change.<P><P>
If you prefer to be left out of this amazing offer go <A HREF="http://t0wns.net/n.asp"> here</A>.</FONT></BODY></HTML>