United States Court of Appeals Fifth Circuit F I L E D IN THE UNITED STATES COURT OF APPEALS June 13, 2005 FOR THE FIFTH CIRCUIT _____________________ Charles R. Fulbruge III Clerk No. 04-20827 _____________________ RAY SMITH; DAVID BARLOW, Individually and on behalf of all other persons in the United States Similarly Situated, Plaintiffs - Appellants, versus COUNTRYWIDE CREDIT INDUSTRIES INC.; ET AL., Defendants, COUNTRYWIDE HOME LOANS INC., Individually, doing business as America’s Wholesale Lender, Defendant-Appellee. _________________________________________________________________ Appeal from the United States District Court for the Southern District of Texas, Houston USDC No. 4:02-CV-1989 _________________________________________________________________ Before JOLLY, HIGGINBOTHAM, and JONES, Circuit Judges.

PER CURIAM:* AFFIRMED. See 5TH CIR. R. 47.6.

* Pursuant to 5TH CIR. R. 47.5, the Court has determined that this opinion should not be published and is not precedent except under the limited circumstances set forth in 5TH CIR. R. 47.5.4.