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ecks/statement or call 1-800-662-2314 to request a brochure. (CE 104173) The 2004 South Beach Wine & Food Festival in Miami Join Emeril Lagasse, Bobby Flay, Alton Brown, Eric Ripert, Alain Ducasse, Ming Tsai and dozens of others for an unbeatably delicious weekend on the beach, March 5-7, 2004, at one

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ender, Minnesota. This is not an offer to enter an interest rate lock-in agreement. Licensed First Mortgage Banker and Secondary Mortgage Lander by Pennsylvania Department of Banking. PHH Mortgage Services is an Equal Housing Lender. Contact us today! Call 1.800-AXP•1008 or go to www.americanexpress. con/mortgages. Use offer