Countrywide(R): A No Closing Cost Refi -- save today!

To ensure your MyPoints email is delivered to your inbox, be sure to add BonusMailReply@MyPoints.com to your email address book or contact list.

Member Info Name: Julie Point Balance: 16407 My Account Earning more Points is fast & easy. Read this BonusMail and visit the partner site — Get 5 Points Respond to this offer — Get 50 Points

Keep more $$$ in your pocket at closing time. When you refinance your home with Countrywide's No Closing Cost Refi Option,1 you can finance the closing costs and pay no points, no application fee and no title or escrow fees at closing. That means you can save your cash for other dreams — from home improvements to college tuition and more! So don't wait — contact your home loan expert today for your free, no-obligation consultation and see how Countrywide can help you enjoy a financially savvy future. FREE Home Loan Consultation! As America's #1 Home Loan Lender,2 Countrywide has streamlined the approval process, so borrowers receive cash from their home's equity even faster — often by the same time next month. Work with Countrywide and enjoy: Personalized home financing solutions A wide range of home loan options Great rates Affordable payments3 Hurry! This Point Offer Expires December 5, 2007. Points for this offer can only be earned once. Get Your Points! Now that you've read the BonusMail, visit Countrywide online. Receive 5 Points. Once you get to Countrywide online, fill out an application. Receive 50 Points. Important Information: Please Read 1Affects pricing. Borrowers who choose to pay closing costs upfront may qualify for a lower rate. You may be subject to upfront fees that will be credited at closing. 2The Countrywide® family is America's number one home loan lender as ranked for 2006 by "Inside Mortgage Finance" (Feb. 2, 2007), Copyright 2007. 3Refinancing or taking out a home equity loan or line of credit may increase the total number of monthly payments and/or the total amount paid when compared to your current situation. Countrywide Bank, FSB and Countrywide Home Loans, Inc. are Equal Housing Lenders. © 2007 Countrywide Financial Corp. Trade/servicemarks are the property of Countrywide Financial Corporation and/or its subsidiaries. All rights reserved. Countrywide Home Loans, Inc., 4500 Park Granada, Calabasas, CA 91302: Arizona Mortgage Banker License Number BK8805; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act; Georgia Reg. #5929; Illinois Residential Mortgage Licensee (# 0139) by the Office of Banks and Real Estate, Mortgage Banking Division, 310 South Michigan Avenue, Suite 2130, Chicago, IL 60604, (312) 793-1409; Massachusetts Mortgage Lender License No. ML 1623; Licensed by the New Hampshire Banking Department; New Jersey (818) 313-6526, Licensed Mortgage Banker, NJ Department of Banking and Insurance; Licensed Mortgage Banker, NYS Banking Department; Registered with the Pennsylvania Banking Department; Rhode Island Lender's License. Countrywide Bank, FSB, 1199 N. Fairfax St., Suite 500, Alexandria, VA 22314: Minnesota loans will be made by Countrywide Bank, FSB through its home loan financial centers. This is not an offer to enter into an interest rate lock-in agreement under Minnesota law. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. State Licensing Privacy and Security If you wish to opt out of receiving future emails from Countrywide, click here. This will not unsubscribe you from MyPoints. You must sign up online to receive Points.

MyPoints links: MyHome | MyPoints® Rewards Visa® | My Account | Redeem | Refer a Friend | Shop Note: Your Points will be credited within 30 days of completing the transaction. The Point offer expires at midnight Pacific Time on the above-mentioned expiration date. You've received this email advertisement because you're a member of MyPoints. If you no longer wish to receive email, please click here to unsubscribe. If you wish to close your MyPoints account, visit the My Account page and select "Close Account." Please do not reply to this email. ©1997-2007 MyPoints.com, Inc.® All rights reserved. 525 Market St., 34th Floor, San Francisco, CA 94105 60389.98042.112700