Transcript of Prerecorded Telephone Solicitation Initiated
on behalf of Morgan Drexler and Americor Lending Group

(caller ID
MICHIGAN 616-980-2422 or 616-980-2418)

"I'm calling regarding your current mortgage.  I want to let you know that I have a lender that wants to pre approve at one point two five percent on a thirty-year loan. Good or bad credit, refi or cash out, this loan will save you up to forty five percent on your monthl payment.  Please press one now to speak to a live representative.  We will provide you with a free quote and let you know exactly how much you can save.  So press one now."