TERMS OF OFFER: 
COUPON REQUIRED OR MENTIONED AT TIME OF APPLICATION. 
 VALID ON LOANS CLOSED June 1, 2007 THROUGH DECEMBER 31, 2007. 
 NOT VALID WITH ANY OTHER REBATE, OFFER OR PROMOTION. 
NOT VALID ON PREVIOUSLY CLOSED LOANS.
NOT VALID ON COMBO OR PIGGYBACK LOANS.
ONE COUPON PER  CLOSING/ TRANSACTION. 

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