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<DIV align=center><BR><FONT size=4>If you are paying more than 3.6% on your
mortgage, </FONT></DIV>
<DIV align=center><FONT size=4>we can slash your monthly
payment!</FONT></DIV><FONT size=4>
<DIV align=center><BR></FONT> (must have owned your home at least 24 months
to qualify for this special program)</DIV>
<DIV> </DIV>
<DIV align=center>GUARANTEED LOWEST RATES ON THE PLANET</DIV>
<DIV align=center> </DIV>
<DIV align=center>CREDIT REPORT NOT
NEEDED<BR>
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<DIV align=center> </DIV>
<DIV align=center>Start <A href="http://avem.loosingfat.biz">here</A> for
an insta-quote and<BR>monthly savings
calculation<BR> </DIV>
<DIV align=center><BR> No other way to so quickly and easily<BR>lower your
monthly payments!</DIV>
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