!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!ATTENTION HOMEOWNER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Re: Bank of America, Wells Fargo, Wachovia, Washington Mutual! Dear Customer, Dear Customer, Your first mortgage originally funded by Bank of America, Wel ls Fargo, Wachovia, or Washington Mutaul! Can be RESTRUCTURED WITH an be RESTRUCTURED WITH NO UPFRONT FEES WHAT SO EVER. This is not a refinance offer. This is not a refinance offer. Based on public records and information regardi ng your Bank of America, Wells Fargo, Wachovia, or Washington Mutaul loan, we have determined that you may be in a severely declining market, in terms of your homes value. homes value. We have reviewed your property information and have determined that you may be eligible to modify the current terms of your mortgage, which could allow you to REDUCE your monthly payment by 40% - 60%. No Equity is required, No minimum credit scores, Late Payments are not a problem, No appraisal, NO UPFRONT FEES! URGENT - PLEASE CALL TODAY! URGENT - PLEASE CALL TODAY! URGENT - PLEASE CALL TODAY! URGENT - PLEASE CALL TODAY! 1-888-975-0005 1-888-975-0005 1-888-975-0005 Loan Modification with no upfront fees what so ever! Expires 30 days upon receipt of this notice Expires 30 days upon receipt of this notice Expires 30 days upon receipt of this notice Expires 30 days upon receipt of this notice