Please send any correspondence to:
Chase Manhattan Bank USA, N.A.
Po Box 15902
Wilmington, DE 19850-9800
[Logo] CHASE





     JEFFREY GARBER
     [address removed]

November 16, 1998



Account Number:
[removed]
Chase PlatinumSM MasterCard®



Dear Jeffrey Garber:

It is my pleasure to let you know that the credit for $ 30.00 has been applied to your account. All finance charges, if billed during the time you were waiting for the credit, have been removed.

Please let us know if we can ever be of assistance again.

Sincerely,

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



[I typed this by hand, so any errors are my own except the gaping space between the "$" and the amount.]

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