Dear Dave:

Our records show that your current balance with us is $1,866.56, of which $1,866.56 is now past due. We hope this is merely an oversight on your part. If you havenít already sent a payment for the past due amount to us, please do so today. If a problem has arisen that we should be aware of, please call us immediately to discuss it.

We value your business, and weíd like for you to resolve this issue as quickly as possible.

Sincerely,



Mark Davidson
Vice President