Dear Reader:

Now you can LOWER your monthly payments and put CASH in your hands! Cash to spend as you desire. Express believes as a homeowner, "YOU DESERVE THE CREDIT." What's more, it's fast. EXPRESS can help you find the solution to ANY financial problem in days.

Choose from many programs that include exactly the rate, and payment that will save you hundreds each month. The process is efficient and confidential. BRUISED CREDIT? We have a program to correct it. CAN'T VERIFY INCOME OR EMPLOYMENT? No matter, EXPRESS has an EQUITY ONLY PROGRAM. In the loan industry, nobody comes close to our ability to deliver.

You need not fill out a million papers to get this going. Just answer the brief online form, stating the amount you need, and e-mail it.

Don't miss the opportunity to CONSOLIDATE YOUR BILLS. Do your HOME IMPROVEMENTS. Pay BACK TAXES. Buy a NEW CAR or take a DREAM VACATION. ANY REASON!

You've seen Express on TV for decades. This is what our clients have said ...

"My family was feeling pressure. You made our life so much easier. Thanks to all your help, our credit is on the road to repair and we can breathe easier." Brenda and Matt, St. Clair, Michigan

"Your loan officer made me feel like I was important, it was obvious you cared. You helped me with a sound financial program. My deepest thanks." Ann, Canton, Michigan

Don't delay, Express has some of the lowest rate programs in history. Act before these rates go higher. DO IT TODAY. GET CASH YOU NEED NOW, AND LOWER YOUR TOTAL MONTHLY PAYMENT.

Bob Champion
Vice President
Express Lenders: Lenders to America
31333 W. 13 Mile Road
Farmington Hills, Michigan 48334

P.S. The interest on an EXPRESS loan is often tax deductible. This means an EXTRA REFUND FOR YOU at tax time.