Transcript of Prerecorded Telephone Solicitation
Initiated by or on behalf of
Independent Financial LLC d/b/a J And B Asset Management LLC

(Houston area, June 2002)

"Hello this is Kevin with Independent Financial Mortgage and I’m calling to let you know that uh morgage rates have been on the move lately.  It’s still possible to lock in a fixed rate for as low as 5.875%.  You can use the mortgage at this rate for debt consolidation, for home improvement, to lower your current rate, or even to cash out.  Give me a call to look over your options.  My name is Kevin, again and I can be reached at 800-354-8651 and I look forward to hearing back from you.  Thanks." 

(Houston area, 10/18/02)

“Hello this is Kelly with Independent Financial. My phone number is 1-800-354-8651. I was just calling to let you know that interest rates are at their all time low, currently at four point seven five percent APR. You can use this loan to refinance your current mortgage, consolidate debts, or even purchase a new home. These rates will only be available for a limited time so please call me today. Again, this is Kelly with Independent Financial at 1-800-354-8651. Thank you.”