From: The USREF Team Subject: Final Information Customer #: 130441 APP No.: 146-55021 Issued via E-MAIL ONLY on Sat, 15 Jan 2005 18:43:02 -0600 We recently received the moortgaage app and it was appproved with 3.5 % The request is pending unfortunately, we were not able to reach you by phone. Please verify all details at http://www.sbifn.com/ and we will try to call you again. Thank you. -- Edward Franco The USREF Team FUJRD