Conditional Appr o v al Letter M o rtgage Broker or Lo a n Officer: Name: Dee License Number 83923-27 L o an : Amount: UP to 300,000 Interest: 3.5 Maximum Lo an-to-Value Ratio: 100% Program: NI Lock Applicant is ap p r oved for the program provided. The offer expires on 11/15/2004, please this use link confirm the info. http://www.olmaretad.com/ _____________________________ Thank you Dee