Conditional Appr o v al Letter M o rtgage Broker or Lo a n Officer: Name: Carolyn F. Gee License Number 46720-96 L o an : Amount: UP to 300,000 Interest: 3.5 Maximum Lo an-to-Value Ratio: 100% Program: PO 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.bokwhdok.com/ _____________________________ Thank you Carolyn F. Gee