Further to our discussion

[Kiser Online Brokers]

09/05/2006


Effective immediately:

Based on the information provided to us, we have pre qualified you for the 
following

Client Email:-----------fsfc-private@gnu.org
Loan Program:-----------Undetermined
Term:-------------------Undetermined
Qualifying Rate:--------4.771%
Estimated APR:----------4.840%
Expected Loan Amount:---$196,410.00
Maximum Loan To Value:--90%

Your refinance information has been looked over, but we still need to gather 
some more information before it can be released.  We have included our 
application form so we can determine the loan program and Term policy.

Application Form:
http://Term.fg321.com

Thanks for taking your time to deal with our brokerage;

Richie Kiser
Kiser & Bourgeois Brokers