This is to inform you that Kiva.org has commenced our 2011 new year loan offer. Kiva.org is giving out 
Twenty Million US Dollars each to 5 qualified applicants from all over the world who can utilize these funds 
positively on personal/business purposes, and have it returned within 20years. 
This loan is offered at no interest rate, To apply. Send email to admin@kivaln.org

Thanks,
Kiva.org UK.
www.kiva.org