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<br />200510556 <br /> <br />NOTICE PURSUANT TO 15 U.S.C. S1692g <br /> <br />(Fair Debt Collection Practices Act) <br /> <br />1. Balance: $87,769.41 plus interest accruing thereon at the rate of 14.4720% per annum from <br />September 29,2005. <br /> <br />2. Name of Creditor: CitiFinancial, Inc. (MD). <br /> <br />3. Unless you notify this office within 30 days after receiving this Notice, that you dispute the <br />validity of the debt or any portion thereof, this office will assume this debt is valid. <br /> <br />4. If you notify this office in writing within 30 days from receiving this Notice, this office will: <br />Obtain verification of the debt or obtain a copy of the judgment, if any, and mail you a copy of such <br />judgment or verification. <br /> <br />5. If you request this office in writing within 30 days after receiving this Notice, this office will <br />provide you with the name and address of the original creditor, if different from the current creditor. <br /> <br />W ALENTINE, O'TOOLE, McQUILLAN & <br />GORDON <br />P.O. Box 540125 <br />Omaha, NE 68154-0125 <br />(402) 330-6300 <br />Attorneys for CitiFinancial, Inc. (MD) <br />