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To: <Undisclosed Recipients@ms*.co*>
From: sandy25@ms*.co*
Subject: 5.65% Fixed!!!!
Date: Wed, 28 Nov 2001 20:22:48 -0800
<HTML>
<BODY>
<!-- saved from url=3D(0022)http://internet.e-mail -->
<HTML><HEAD><TITLE>Online Loans</TITLE><META
http-equiv=3DContent-Type con=
tent=3D"text/html; charset=3Diso-8859-1"></HEAD>
<BODY bgcolor=3Dffffff text=3D0000000 link=3D"#FF0033" vlink=3D"#99FFFF" a=
link=3D"#FFFFFF" leftmargin=3D"0" topmargin=3D"0">
<table width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" hei=
ght=3D"363">
     <tr> 
          <td rowspan=3D"2" valign=3D"top"><img
src=3D"http://www.american=
-charters.com/fatherdaughter.jpg" width=3D"181" height=3D"353"></td>
          <td width=3D"86%" bgcolor=3D"#000000" background=3D"http://www.a=
merican-charters.com/header.jpg" height=3D"42"> </td>
     </tr>
     <tr> 
          <td width=3D"86%" valign=3D"top" height=3D"1121"> 
               <table width=3D"80%" border=3D"0" cellspacing=3D"0" cellpad=
ding=3D"0" align=3D"center">
                    <tr> 
                         <td width=3D"684" valign=3D"top" height=3D"1167">=
 
                              <center>
                                   <h1><font face=3D"Arial, Helvetica,
san=
s-serif"><u>Online 
                                        Approval</u></font></h1>
                                   <table width=3D"100%" border=3D"0" cell=
spacing=3D"0" cellpadding=3D"0">
                                        <tr> 
                                             <td width=3D"33%" valign=3D"t=
op" height=3D"156"> 
                                                  <p align=3D"left">
<font=
 face=3D"Arial, Helvetica, sans-serif" size=3D"2">Are 
                                                       you paying too much=
 for 
                                                       your mortgage? You =
would 
                                                       be surprised how ma=
ny people 
                                                       are! Fill out this =
form 
                                                       to see how to save =
money, 
                                                       pay off your debts =
and 
                                                       refinance your exis=
ting 
                                                       mortgages to an int=
erest 
                                                       rate as low as <fon=
t color=3D"#000000"><u><b><font color=3D"#FF0000">5.9% 
                                                      
fixed</font></b></u=
></font>, 
                                                       in some cases even =
lower!</font><font face=3D"Arial, Helvetica, sans-serif"
size=3D"2"><br>
                                                       </font> 
                                                  </td>
                                             <td width=3D"28%" valign=3D"t=
op" height=3D"156"> 
                                                  <div
align=3D"center"><f=
ont face=3D"Arial, Helvetica, sans-serif"><font size=3D"4"><b>APPLY 
                                                       NOW!!<br>
                                                       <img src=3D"http://=
www.american-charters.com/family.jpg" width=3D"120" height=3D"156"> 
                                                      
</b></font></font> =
</div>
                                             </td>
                                             <td width=3D"39%" valign=3D"t=
op" height=3D"156"> 
                                                  <div
align=3D"center"><f=
ont size=3D"2" face=3D"Arial, Helvetica, sans-serif">We 
                                                       can help you find r=
esources 
                                                       to get approved for=
...<br>
                                                       </font> </div>
                                                  <li><font size=3D"2"
fac=
e=3D"Arial, Helvetica, sans-serif">..Debt 
                                                       Consolidation<br>
                                                       <br>
                                                       </font>
                                                  <li><font size=3D"2"
fac=
e=3D"Arial, Helvetica, sans-serif">..A 
                                                       Second Mortgage<br>
                                                       <br>
                                                       </font>
                                                  <li><font size=3D"2"
fac=
e=3D"Arial, Helvetica, sans-serif">..Home 
                                                       Improvements<br>
                                                       <br>
                                                       </font>
                                                  <li><font size=3D"2"
fac=
e=3D"Arial, Helvetica, sans-serif">..Refinancing 
                                                       your Current  =
    
                                                        Mortgage &nbs=
p; </font> 
                                             </td>
                                        </tr>
                                   </table>
                                   
                                   <FORM action=3D"http://www.american-cha=
rters.com/cgi-bin/allform.cgi" method=3D"post">

              <input type=3Dhidden name=3Dsubject value=3D"A new client br=
ought to you by your good ol' Pal">
              <INPUT TYPE=3D"HIDDEN" NAME=3D"req" VALUE=3D"a. name,b. addr=
ess,c. city,d. state,e. zip,f. phone,g. email"> 
              <INPUT TYPE=3D"HIDDEN" NAME=3D"formname" VALUE=3D"Mortgage A=
pplication Data">
              <INPUT TYPE=3D"HIDDEN" NAME=3D"thank_you_url" VALUE=3D"http:=
//www.american-charters.com/thanks.html">
            




                                        <DIV align=3Dcenter><font
face=3D"=
Arial, Helvetica, sans-serif" size=3D"1"><font size=3D"2"> 
                                             For Homeowners
ONLY</font></f=
ont><font size=3D2 face=3D"Arial, Helvetica, sans-serif"> 
                                             - All Fields with an (<font c=
olor=3D"#FF0000">*</font>) 
                                             are required</font> 
                                             <TABLE bgcolor=3D#333333 bord=
er=3D0 width=3D100%>
                                                  <tbody> 
                                                  <TR bgcolor=3D"#006699">=
 
        <TD colspan=3D"2"> 
          <DIV align=3D"center"><FONT face=3D"Arial, Helvetica,
sans-serif=
" size=3D3><B><FONT color=3D#ffffff> 
            APPLICANT INFORMATION</FONT></B></FONT></DIV>
        </TD>
      </TR>
      </tbody> 
    </TABLE>
                                             <TABLE bgcolor=3D#3399CC bord=
er=3D0 width=3D100%>
                                                  <tbody> 
                                                  <TR> 
                                                       <TD width=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT color=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif" size=3D=
"1"><B><FONT color=3D"#FF3333">*</FONT>FULL 
                                                                
NAME</B><=
/FONT></DIV>
                                                       </TD>
                                                       <TD width=3D59%> 
                                                            <INPUT maxleng=
th=3D35 name=3D"a. name" size=3D25>
                                                       </TD>
                                                  </TR>
                                                  <TR> 
                                                       <TD width=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT color=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif" size=3D=
"1"><B><FONT
color=3D"#FF3333">*</FONT>ADDRESS</B></FONT></DIV>
                                                       </TD>
                                                       <TD width=3D59%> 
                                                            <INPUT maxleng=
th=3D35 name=3D"b. address" size=3D25>
                                                       </TD>
                                                  </TR>
                                                  <TR> 
                                                       <TD width=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><font
face=3D=
"Arial, Helvetica, sans-serif" size=3D"1"><b><font color=3D"#ffffff"
face=3D=
"Arial, Helvetica, sans-serif" size=3D"1"><b><font
color=3D"#FF3333">*</fo=
nt></b></font></b></font><font
color=3D"#FFFFFF">City</font></B></FONT></D=
IV>
                                                       </TD>
                                                       <TD width=3D59%>
                                                            <input type=3D=
"text" name=3D"c. city">
                                                       </TD>
                                                  </TR>
                                                  <TR> 
                                                       <TD width=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><font
color=
=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif" size=3D"1"><b><font
col=
or=3D"#FF3333">*</font></b></font><font
color=3D#ffffff>STATE</font></B></=
FONT></DIV>
                                                       </TD>
                                                       <TD width=3D59%>
                                                            <input type=3D=
text name=3D"d. state">
                                                       </TD>
                                                  </TR>
                                                  <TR> 
                                                       <TD width=3D41% hei=
ght=3D"32"> 
                                                            <DIV align=3Dr=
ight><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><font
color=
=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif" size=3D"1"><b><font
col=
or=3D"#FF3333">*</font></b></font><font
color=3D#ffffff>ZIP</font></B></FO=
NT></DIV>
                                                       </TD>
                                                       <TD width=3D59% hei=
ght=3D"32">
                                                            <input maxleng=
th=3D9 name=3D"e. zip" size=3D9>
                                                       </TD>
                                                  </TR>
                                                  <TR> 
                                                       <TD width=3D41%> 
                                                            <DIV align=3D"=
right"><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><font
col=
or=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif" size=3D"1"><b><font
c=
olor=3D"#FF3333">*</font></b></font><font color=3D#ffffff>HOME 
                                                                 PHONE</fo=
nt></B></FONT></DIV>
                                                       </TD>
                                                       <TD width=3D59%>
                                                            <input maxleng=
th=3D15 name=3D"f. phone" size=3D15>
                                                       </TD>
                                                  </TR>
                                                  <TR>
                                                       <TD width=3D41%>
                                                            <div align=3D"=
right"><font face=3D"Arial, Helvetica, sans-serif" size=3D"1"><b><font
col=
or=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif" size=3D"1"><b><font
c=
olor=3D"#FF3333">*</font></b></font><font color=3D#ffffff> 
                                                                 VALID E-M=
AIL 
                                                                 ADDRESS</=
font></b></font></div>
                                                       </TD>
                                                       <TD width=3D59%>
                                                            <input maxleng=
th=3D35 name=3D"g. email" size=3D25>
                                                       </TD>
                                                  </TR>
                                                  </tbody> 
                                             </TABLE>
                                             <div align=3D"left"><BR>
                                             </div>
                                             <TABLE bgcolor=3D#3399CC bord=
er=3D0 width=3D100%>
                                                  <tbody> 
                                                  <TR bgcolor=3D"#006699">=
 
        <TD colspan=3D2> 
          <DIV align=3Dcenter><FONT face=3D"Arial, Helvetica, sans-serif"
=
size=3D3><B><FONT color=3D#ffffff>HOME 
            LOAN INFORMATION</FONT></B></FONT></DIV>
        </TD>
      </TR>
      <TR> 
                                                       <TD height=3D48 wid=
th=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT color=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif" size=3D=
"1"><B>HOW 
                              LONG HAVE YOU LIVED <BR>
                                                                 AT YOUR P=
RESENT 
                                                                 ADDRESS</=
B></FONT></DIV>
        </TD>
                                                       <TD height=3D48 wid=
th=3D59%> 
                                                            <INPUT maxleng=
th=3D10 name=3D"h. years" size=3D10>
        </TD>
      </TR>
      <TR> 
                                                       <TD height=3D35 wid=
th=3D41%> 
                                                            <DIV align=3D"=
right"><FONT color=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif" size=3D=
"1"><B> 
                                                                 ESTIMATED=
 VALUE 
                                                                 OF YOUR H=
OME</B></FONT></DIV>
        </TD>
                                                       <TD height=3D29 wid=
th=3D59%> 
                                                            <INPUT maxleng=
th=3D15 name=3D"i. value" size=3D10>
        </TD>
      </TR>
      <TR> 
                                                       <TD height=3D35 wid=
th=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><FONT
color=
=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif"
size=3D"1"><B></B></FON=
T><FONT color=3D#ffffff>HOW 
                              MUCH DO YOU OWE <BR>
                                                                 FOR YOUR =
HOME(S)</FONT></B></FONT></DIV>
        </TD>
                                                       <TD width=3D59%> 
                                                            <TABLE border=3D=
0 cellpadding=3D0 cellspacing=3D0>
                                                                 <tbody> 
                                                                 <TR> 
                                                                      <TD =
width=3D30> 
                                                                          =
 <div align=3D"right"><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans=
-serif" size=3D2><B>1st:</B></FONT></div>
                                                                      </TD=
>
                                                                      <TD =
width=3D229> 
                                                                          =
 <INPUT maxlength=3D10 name=3D"j. owe" size=3D10>
                                                                      </TD=
>
                                                                 </TR>
                                                                 <TR> 
                                                                      <TD =
width=3D30> 
                                                                          =
 <div align=3D"right"><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans=
-serif" size=3D2><B>2nd:</B></FONT></div>
                                                                      </TD=
>
                                                                      <TD =
width=3D229> 
                                                                          =
 <font size=3D"1"> 
                                                                          =
 <font face=3D"Arial, Verdana"> 
                                                                          =
 <INPUT maxlength=3D10 name=3D"k. owe 2" size=3D10>
                                                                          =
 </font></font></TD>
                                                                 </TR>
                                                                 </tbody> 
                                                            </TABLE>
        </TD>
      </TR>
      <TR> 
                                                       <TD height=3D35 wid=
th=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><FONT
color=
=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif"
size=3D"1"><B></B></FON=
T><FONT color=3D#ffffff>CURRENT 
                                                                 INTEREST =
RATES</FONT></B></FONT></DIV>
        </TD>
                                                       <TD width=3D59% val=
ign=3D"bottom"> 
                                                            <TABLE border=3D=
0 cellpadding=3D0 cellspacing=3D0 width=3D"249">
                                                                 <tbody> 
                                                                 <TR> 
                                                                      <TD =
width=3D"30"> 
                                                                          =
 <div align=3D"right"><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans=
-serif" size=3D2><B>1st:</B></FONT></div>
                                                                      </TD=
>
                                                                      <TD =
width=3D"219"> 
                                                                          =
 <INPUT maxlength=3D5 name=3D"l. interest" size=3D5>
                                                                      </TD=
>
                                                                 </TR>
                                                                 <TR> 
                                                                      <TD =
width=3D"30"> 
                                                                          =
 <div align=3D"right"><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans=
-serif" size=3D2><B>2nd:</B></FONT></div>
                                                                      </TD=
>
                                                                      <TD =
width=3D"219"> 
                                                                          =
 <font face=3D"Arial, Verdana"> 
                                                                          =
 <font size=3D"1"> 
                                                                          =
 <INPUT maxlength=3D5 name=3D"m. interest 2" size=3D5>
                                                                          =
 </font></font></TD>
                                                                 </TR>
                                                                 </tbody> 
                                                            </TABLE>
                    </TD>
      </TR>
      <TR> 
                                                       <TD height=3D44 wid=
th=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><font
face=3D=
"Arial, Helvetica, sans-serif" size=3D"1"><b><font color=3D"#ffffff"
face=3D=
"Arial, Helvetica, sans-serif"
size=3D"1"><b></b></font></b></font><FONT c=
olor=3D#ffffff>WHAT 
                              KIND OF LOAN DO YOU <BR>
                                                                 HAVE CURR=
ENTLY</FONT></B></FONT></DIV>
        </TD>
                                                       <TD height=3D44 wid=
th=3D59%> 
                                                            <TABLE border=3D=
0 cellpadding=3D0 cellspacing=3D0>
            <tbody>
            <TR>
              <TD><B><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans-=
serif" size=3D2>1st 
                <BR>
                <INPUT name=3D"n. loan type" type=3Dradio value=3D"fixed l=
oan" tabindex=3D1 checked>
                <B><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans-se=
rif" size=3D2>fixed</FONT></B> 
                <BR>
                <INPUT name=3D"n. loan type" type=3Dradio value=3D"adjusta=
ble loan" tabindex=3D2>
                <B><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans-se=
rif" size=3D2>adjustable</FONT></B></FONT></B></TD>
              <TD><B><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans-=
serif" size=3D2>2nd 
                <BR>
                <INPUT name=3D"o. loan type 2" type=3Dradio value=3D"fixed=
 loan" tabindex=3D1 checked>
                <B><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans-se=
rif" size=3D2>fixed</FONT></B> 
                <BR>
                <INPUT name=3D"o. loan type 2" type=3D"radio" 
value=3D"adjustable loan" tabindex=3D2>
                <B><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans-se=
rif" size=3D2>adjustable</FONT></B></FONT></B></TD>
            </TR>
            </tbody>
          </TABLE>
        </TD>
      </TR>
      <TR> 
                                                       <TD height=3D35 wid=
th=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><font
face=3D=
"Arial, Helvetica, sans-serif" size=3D"1"><b><font color=3D"#ffffff"
face=3D=
"Arial, Helvetica, sans-serif"
size=3D"1"><b></b></font></b></font><FONT c=
olor=3D#ffffff>WHAT 
                              IS YOUR YEARLY <BR>
                                                                 HOUSEHOLD=
 INCOME</FONT></B></FONT></DIV>
        </TD>
                                                       <TD width=3D59%> 
                                                            <INPUT maxleng=
th=3D15 name=3D"p. income" size=3D10>
        </TD>
      </TR>
      <TR> 
                                                       <TD height=3D35 wid=
th=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><FONT
color=
=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif"
size=3D"1"><B></B></FON=
T><FONT color=3D"#ffffff" face=3D"Arial, Helvetica, sans-serif" size=3D"1"=
><B></B></FONT><FONT color=3D#ffffff>HOW 
                              WOULD YOU RATE YOUR <BR>
                                                                 CREDIT</F=
ONT></B></FONT></DIV>
        </TD>
                                                       <TD width=3D59%> 
                                                            <P>
            <INPUT name=3D"q. credit" type=3Dradio value=3Dexcellent tabin=
dex=3D1 checked>
            <B><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans-serif"=
 size=3D2>excellent</FONT></B> 
            <INPUT name=3D"q. credit" type=3Dradio value=3Dgood tabindex=3D=
2>
            <FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans-serif"><B=
><FONT size=3D2>good</FONT></B></FONT><BR>
            <INPUT name=3D"q. credit" type=3Dradio value=3Dfair tabindex=3D=
3>
            <B><FONT color=3D#ffffff face=3D"Arial, Helvetica,
sans-serif"=
 size=3D2>fair</FONT></B> 
            <INPUT name=3D"q. credit" type=3Dradio value=3Dpoor tabindex=3D=
4>
            <FONT size=3D2><B><FONT color=3D#ffffff face=3D"Arial,
Helveti=
ca, sans-serif">poor</FONT></B></FONT></P>
        </TD>
      </TR>
      <TR> 
                                                       <TD height=3D35 wid=
th=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT face=3D"Arial, Helvetica, sans-serif" size=3D"1"><B><font
face=3D=
"Arial, Helvetica, sans-serif" size=3D"1"><b><font color=3D"#ffffff"
face=3D=
"Arial, Helvetica, sans-serif"
size=3D"1"><b></b></font></b></font><FONT c=
olor=3D#ffffff>HOW 
                              LONG HAVE YOU BEEN <BR>
                                                                 AT YOUR C=
URRENT 
                                                                 JOB</FONT=
></B></FONT></DIV>
        </TD>
                                                       <TD width=3D59%> 
                                                            <INPUT maxleng=
th=3D5 name=3D"r. years at job" size=3D5>
        </TD>
      </TR>
      <TR> 
                                                       <TD height=3D35 wid=
th=3D41%> 
                                                            <DIV align=3Dr=
ight><FONT size=3D"1"><B><FONT color=3D"#ffffff" face=3D"Arial,
Helvetica,=
 sans-serif" size=3D"1"><B></B></FONT><FONT color=3D#ffffff
face=3D"Arial,=
 Helvetica, sans-serif">ARE 
                                                                 YOU SELF-=
EMPLOYED</FONT></B></FONT></DIV>
        </TD>
                                                       <TD width=3D59%> 
                                                            <INPUT name=3D=
"s. self employed" type=3Dradio value=3DYES checked>
          <FONT color=3D#ffffff face=3D"Arial, Helvetica, sans-serif" size=
=3D2><B>YES</B></FONT> 
          <INPUT name=3D"r. self employed" type=3Dradio value=3DNO>
          <FONT color=3D#ffffff face=3D"Arial, Helvetica, sans-serif" size=
=3D2><B>NO</B></FONT></TD>
      </TR>
      <TR> 
                                                       <TD width=3D41% hei=
ght=3D38> 
                                                            <DIV align=3Dr=
ight><FONT color=3D"#ffffff" size=3D"1"><B><font face=3D"Arial,
Helvetica,=
 sans-serif" size=3D"1"><b><font color=3D"#ffffff" face=3D"Arial,
Helvetic=
a, sans-serif" size=3D"1"><b></b></font></b></font><FONT
face=3D"Arial, He=
lvetica, sans-serif">AMOUNT 
                                                                 REQUESTED=
</FONT></B></FONT></DIV>
        </TD>
                                                       <TD width=3D59% hei=
ght=3D19> 
                                                            <INPUT maxleng=
th=3D15 name=3D"t. amount requested" size=3D15>
        </TD>
      </TR>
      <TR>
                                                       <TD width=3D41% hei=
ght=3D38 valign=3Dtop> 
                                                            <DIV align=3Dr=
ight><FONT color=3D"#FFFFFF" size=3D"1"><B><font face=3D"Arial,
Helvetica,=
 sans-serif" size=3D"1"><b><font color=3D"#ffffff" face=3D"Arial,
Helvetic=
a, sans-serif" size=3D"1"><b></b></font></b></font><FONT
face=3D"Arial, He=
lvetica, sans-serif">COMMENTS</FONT></B></FONT></DIV>
        </TD>
                                                       <TD width=3D59% hei=
ght=3D19> 
                                                            <textarea name=
=3D"u. comments" cols=3D"30" rows=3D"5"></textarea>
                    </TD>
      </TR>
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<P align=3Dcenter> </P>
<P align=3Dcenter><u><font face=3D"Arial, Helvetica, sans-serif"
size=3D"2=
">Online Loans 
     Inc. </font></u><font face=3D"Arial, Helvetica, sans-serif"
size=3D"2=
"><BR>
     356 Hastings ave.<BR>
     NewPort Beach, CA 92662</font></P>
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