Chase Manhattan Bank
P O Box 9074
Hicksville, NY 11802-9074
[Logo] CHASE





     JEFFREY GARBER
     [address removed]

November 9, 1998



Dear Jeffrey Garber, Account No: xxxx-xxxx-xxxx-xxxx

This letter is in regard to your Chase credit account referenced above.

Our records indicate that this account is past due.

You may use the coupon attached to the bottom of this letter, to send the amount of $20.00, so we can bring your account up-to-date as soon as possible. We have enclosed an envelope for your convenience.

We value your business with Chase. If you have any questions, please do not hesitate to contact us. A Chase Representative is available to help you between the hours of [the litany of different hours on Monday-Friday, Saturday, and Sunday deleted for brevety]

Sincerely,

Kevin Gieraltowski [in frilly cursive-like computer font]
Collection Department



[I typed this by hand, so any errors are my own, except the over-use of commas in the paragraph asking for money — that is all Kevin's.]

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