re : [ 5 ] this is going to be our final notice we have tried to contact you on quite a few moments and we await your response now ! your present home loan meets the requirements for you for up to a 3 . 80 % lower rate . however , based on the fact that our previous attempts to contact you didn ' t work , this will be our last notice to ensure for you the lower rate . please finalize this final step upon receiving this notice immediately , and complete your application now . apply here . if your decision is not to make use of this final offer going here will help you to do so .