From: NextCard Customer Service Date: 7/9/01 X:XX:XX AM To: XXXX X XXXXXXXX Case: XXXXXX Hello from NextCard! In researching your account, I pulled the offer you selected and that offer was: 18.99 fixed APR (9.9) if the interest rate. There is a 2% balance transfer fee. If you have any questions/concerns, please contact us again. Thank you for choosing NextCard! Sincerely, XXXXX XXX NextCard eService Advisor www.NextCard.com THIS 9.99% 3 MONTHS THEN 18.99% IS NOT ADVERTISED...I KNOW WE SIGNED UP FOR 9.99% FIXED...NO BALANCE TRANSFER FEE!!!!