Mr. Lay,
I'am the President of Bilco Commercial Finance, LLC a direct lender to
companies listed on NASDAQ and the NYSE.  I would like to discuss with you
an offer to lend a large amount of capital to your firm.  Please e-mail a
contact name and phone number with the best time to call in reference to
this matter.

Best regards,
Bill Dowdy,
Bilco Commercial Finance,LLC
wbd_5@hotmail.com

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