Re: With reference to our conversation at Wed, 04 Aug 2004 03:14:17 -0500

[Mcgowan]

A p proval  Letter

Mcgowan
Trusted Bank Group

Ref: 24359

Sir:

this letter is to confirm that you have been a.pproved to ref i nance for a
conventional mor t gage at 3.75% pending completion of your application.

We have verified that you fit our mor t gage guidelines to qualify for our low
ra t e program.

Please use the secure link to complete your application so we can
schedule a closing date.

Regards,
Mcgowan
Trusted Bank Group














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