ACTUAL SETTLEMENT LETTER

Dear

Please be advised that American Express has forwarded the above-referenced account to our agency for collection.

American Express has agreed to offer you a settlement of $10,300.00 due by 4/26//05. Upon receipt and clearance of said funds your account will be considered settled.

Please contact Marc Serota at 800-377-3663, if you have any questions.

***Please forward all payments/documents to: NCO Financial Systems, Inc.
                                                                            Att: American Express Division
                                                                            507 Prudential Rd
                                                                            Horsham, PA 19044

Sincerely,

James Prawel
NCO Financial Systems, Inc.
General Manager
JP/am

American Express Outside Agency
200 Vesey St
Mail Stop 44-11
New York, NY 10285

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

“Calls to from NCO Financial Systems Inc. may be monitored or recorded for quality assurance.”

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