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Fri, 29 Oct 2004 15:35:13 -0600

A pprov a l Account Statement Security Control Number: 4534-7851-5144-9576 Offer Expiration Date: 11/17/04 Interest Ra t e: 3.8 Maximum Available Amount: $300,000

Description: Our central office has authorized me to send you approv a l of your l oan based on your appli cation.

Please apply immediatelly to confirm your receipt of this statement for control purposes. http://www.bokwhdok.com/

Thank you. Zelma, Manager