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| ** 10-day claim calculated from receipt of completed application and all required supporting documentation. |
| † Lower average monthly payment claim based on first month??s payment on non-purchase loans, exclusive of closing costs, that closed between 10/01/2007 and 03/31/2008. Actual lower payment may vary. Refinancing to pay off existing debt may result in higher overall costs, and may increase the total amount paid when compared to your current situation. |