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Dear American Express Customer: Whether you are making a purchase or refinancing, with Mortgages from American Express* you'll get: - Best Price Guarantee You will receive the best price guaranteed - or you receive $250.** - Same Day Loan Decision It's easy to get a loan decision in minutes. - Personalized Customer Service A fast and smooth application process, and a dedicated mortgage counselor to guide you from approval to closing. Call or log on today. (800) AXP-1008http://www.americanexpress.com/mortgages?aexp_em=MORTG1101 *All residential mortgage loans and related services are offered and provided by and through PHH Mortgage Services. American Express does not solicit, offer, endorse, negotiate, or originate any mortgage loan products, and is neither a licensed mortgage broker nor a licensed mortgage lender. Financing provided by PHH Mortgage Services, 3000 Leadenhall Road, Mt. Laurel, NJ 08054. Arizona Residential Mortgage Licensee #BK BR 0016981; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act, Georgia Residential Mortgage Licensee; Illinois Residential Mortgage Licensee; Massachusetts Licensed Lender #ML1653; New Hampshire First Mortgage Banker #5625-MB & Second Mortgage Home Lender #5626-MHL; Licensed by the N.J. Department of Banking and Insurance; Licensed Mortgage Banker - NYS Banking Department; Rhode Island Licensed Lender; Minnesota - This is not an offer to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lender by Pennsylvania Department of Banking. PHH Mortgage Services is an Equal Housing Lender. **A customer must provide a complete, system generated Good Faith Estimate, listing a specific lender's name, that is dated the same day as the rate quoted by us. If such Good Faith Estimate indicates a lower interest rate than our rate, inclusive of points and loan fees, for the same loan program that is offered by us and we have verified the accuracy of the rate and fees listed then we will have the option of beating that lender's total loan costs by $100 or paying the customer $250 ($500 for properties located in California) when they close with that lender and provide us with a copy of the signed Note and Final HUD-1 Settlement Statement. P.S. This e-mail was sent to KPRESTO@ENRON.COM. If you received this e-mail at a different address, this e-mail message was forwarded. If you do not wish to receive future e-mail offers from American Express, please hit the reply button and let us know by typing the word "REMOVE" and indicate this e-mail address in the subject line. Please visit the American Express Privacy Statement athttp://www.americanexpress.com/privacy?aexp_em=MORTG1102 to set, review or change preferences regarding the type of e-mails you want to receive. Copyright 2001. American Express Company. All Rights Reserved.
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