you ' ve been selected for the low rates program dear applicant , your application was approved . you are eligible for $ 400 , 000 with a 3 . 2 % ra . te . please confirm your information here : http : / / quotetalk . com / ? name = rm 2342 we look forward to hearing from you . regards , jst financial group r * mv . - > http : / / quotetalk . com / st . html