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 <div align="center"><font face="Verdana, Arial, Helvetica, sans-serif" size="2">If
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 <td align="left"> By using our <b>NONPROFIT Debt
 Management Service</b> you will:
 <ul>
 <li> Receive <b>FREE</b> debt counseling from
 certified professionals</li>
 <li> Create a plan to get rid of your debt NOW</li>
 <li> Reduce or eliminate interest & late charges</li>
 <li> Avoid bankruptcy</li>
 <li> Stop harrassing calls</li>
 <li> Restore a positive relationship with your
 creditors</li>
 <li> Enjoy peace of mind</li>
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 <div align="center"><a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u4065&d=6&p=4"><img src="http://www.m-ul.com/email/images/html112601/newsletter_header.gif" width="503" height="36" alt="" border="0"></a></div>
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 <div align="center" class="clickHere"> <a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u4065&d=6&p=5" style="color: #808080;"><b>Click
 Here To Lower Your DEBT NOW!</b></a> </div>
 <div align="center"> <br>
 <div style="font-size: 12px; letter-spacing: 1px;"><b>The
 analysis is 100% confidential; there is no obligation.</b></div>
 <div style="font-size: 10px;">(No credit check or home ownership
 is required to participate in the program)</div>
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 <a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u954&d=6&p=6">Home</a>
 &nbsp;&nbsp;|&nbsp; <a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u955&d=6&p=7">Company
 Profile</a> &nbsp;&nbsp;|&nbsp; <a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u956&d=6&p=8">What
 Is Debt Consolidation?</a> &nbsp;&nbsp;|&nbsp; <a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u957&d=6&p=9">How
 It Works</a> <br>
 <a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u958&d=6&p=10">Testimonials</a>
 &nbsp;&nbsp;|&nbsp; <a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u959&d=6&p=11">Alternatives</a>
 &nbsp;&nbsp;|&nbsp; <a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u960&d=6&p=12">FAQ</a>
 &nbsp;&nbsp;|&nbsp; <a href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u961&d=6&p=13">Contact
 Us</a> </td>
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 <td align="center" width="80"><a target="_blank" href="http://www.m-ul.com/e/c.cgi?j=20020130_23&e=1736394363&r=u104&d=6&p=14"><img src="http://www.m-ul.com/email/images/html112601/verisign.gif" width="67" height="75" alt="" border="0"></a></td>
 <td align="center" class="copyright">Copyright 1998
 - 2001, The Credit Counseling Foundation, Inc.<br>
 3350 N.W. 53rd. Street, Suite 103, Fort Lauderdale,
 FL 33309</td>
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