The following message has been brought to you by Quantum Communications. If you would like advertising rates and information, send an email to info@quantcom.com or visit our website http://www.quantcom.com If you prefer NOT to receive promotional messages inthe future, send an email to remove@quantcom.com ------------------------------------------------------------------------------------ ATTENTION HOMEOWNER: Here are the FACTS your mortgage lender doesn't want you to know. * After paying 15 years on a 30-year mortgage, you'll still owe 90% of your loan balance * After paying nearly 24 years, you'll still owe over 50% of your loan balance * You'll pay over 3 times the amount originally borrowed before paying off your mortgage * To make matters worse, the F.D.I.C. estimates that one out of every two mortgages are MISCALCULATED - OVERCHARGING homeowners $8-$10 billion each and every year! Using THE MORTGAGE MANAGER TM will solve ALL these problems for you ... ABSOLUTELY FREE! The Mortgage Manager TM Lets You ... * Saves thousands of dollars on your home mortgage without increasing your payment * Shortens your 30-year mortgage by 7-15 years without refinancing * Builds equity in your home 300% faster * Turns your current mortgage into an investment program * Increases your net worth dramatically * Tracks your savings and audits your loan to find lender mistakes which occur about 50% of the time according to the F.D.I.C. The Mortgage Manager TM gives you all this with ... NO Refinancing NO Credit Reports NO Home Appraisal NO Closing Costs NO Change of Lender In fact, it requires ... NO change to your current mortgage agreement at all! FREE SOFTWARE - FREE SERVICE Get the complete details on how much you can save. The service is FREE and there's no obligation whatsoever - no strings attached. We're not trying to sell you any high-priced service or products, now or ever, so make your selection below (free software or printed analysis) and e-mail this form back today! *** Mortgage Manager TM on 3.5" Floppy Disk *** NOW AVAILABLE IN PRINTED FORMAT PRINTED SAVINGS ANALYSIS. Please fill out the following information on your 30-year mortgage so we can mail you a printed mortgage savings analysis: Loan Amount Interest Rate Fixed Variable Date of First Payment Name Address Phone E-Mail Send to home@quantcom.com for more information or to send this data to