Transcript of voicemail: Hey guys this is Dave Brown here, I'm actually calling on behalf of a certified non-profit agency. Umm...you may recall receiving a letter stating that you've been approved to consolidate uh your credit cards to as low as 1.9% interest. Uh, I just wanted to call and let you know that this is not a new loan and again you've already been pre-approved. So in order to lower those rates before the next billing cycle, umm, I do need you to give me a call. Uh, you can reach me here at 1-800-978-4584, and you can reach me here until 10:00PM.