JEFFREY P. GARBER
     [address removed]

September 21, 1998

Account Number:

[removed]

Chase PlatinumSM MasterCard®

Dear Jeffrey Garber:

We understand that your credit card should not have been charged for $30.00 by fantastic sam's [sic]. To resolve this, we need proof that payment was made by check, cash, or another credit card. Depending on how you made the payment, please send me:

- a copy of the front and back of your canceled check
- a receipt of invoice showing the payment was in cash, or
- a copy of the statement showing another credit card was billed

Please use the self-addressed envelope enclosed and send your response within 20 days from the above date. During this time, do not pay the disputed amount. There will be a reminder of this on your next statement and the amount will not be included in the minimum due. You may also see one or more finance charge adjustments to remove any interest already charged on this amount. Until resolved, no further finance charges will be applied on the disputed amount.

If we don't hear from you within 20 days from the date of this letter, we will have to assume you've resolved this with the merchant directly.

Thank you for your prompt attention. We look forward to helping resolve this problem for you.

Sincerely,

J. Mcleggan [in frilly cursive-like computer font]
J. Mcleggan
Customer Service Representative

Enclosure: POSTAGE-PAID ENVELOPE