Berman & Rabin, P.A.
Attorneys At Law
10660 Barkley
Overland Park, KS 66212
P.O Box 11311 - 66207-1011

March 21, 2008

My Name
My Address

Re: Your indebtness to: CITIBANK (SOUTH DAKOTA), NA
Balance: $#####, attorney fees (where applicable), the exact amount to be
determined by agreement between you and us or by a court,
Our file No. ######

Dear Ms. My Name

This office represents the above referenced creditor. At this time, no attorney with this firm has personally reviewed the particular circumstances of your account.

Unless you dispute this debt, or any portion of it, within 30 days after you recieve this notice, we will assume that it is valid. If you notify us in writing within 30 day period that you dispute this debt or any potion of it, we will obtain verification of the debt or a copy of any judgment and mail it to you. If the above creditor isnot your original creditor and you submit a written request within 30 day period for the name and address of the original creditor, we will supply such information to you.

If you do dispute this debt in writing in the 30 day period, we will pend collection until we send you verification.

If you contact our office please call 'collector name' at ###-###-#### or toll free at ###-###-####.

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Sincerely,

Berman & Rabin, P.A.