CREDIT BUREAU OF COLUMBUS

An Affiliate of:
CBC COMPANIES

July 12, 2002

[Fisher's name]
[Fisher's address]

Dear Sir; [sic]

Regarding your historical staus on the Discover account: This is a twenty-four month history. In the first twelve months it shows a 30 days late in August 2001. In the second twelve months, it shows you 60 days late in December, 2000; 30 days in November, 2000; and over 120 days in August, July, June and May 2000.

Sincerely,

[signature] Rose Baldwin
Consumer Relations Department

170 East Town Street | P.O. Box 1838 | Columbus, OH 43216 | (614) 222-5300