Subject: Dear client, it's time to update your file

From: "Francesca M" <[email-masked]>
Date: Thu, 23 Dec 2004 11:27:44 -0800

Dear Client,

Some time ago you filled out
a form on the internet requesting help with refinancing
your home. Since then we have not heard from you.
If you have already refinanced or have not yet found what you
are looking for, you may want to take a look at our
website, our rates start at 3.075%. Our form gives you
the convenience of choosing which monthly payment is
best for you depending on your circumstances. This
flexibility allows you to accelerate your loan in months
where money is no problem. At other times you may choose
another option such as interest only, and pay hudreds
less. In any event, if you have a credit score of 520 or
more, our form will be right for you, and save you
hundreds of dollars each and every month!

http://www.lowrates4you.info/mtg/?mid=dx

Sincerely,
Lorene J Loan Assistant