November 23, 2004

We are writing in regard to the transaction no. IR-119-HDQ4 to S BAKER on 11/22/2004 for the amount of $250.00. Unfortunately, when we tried to withdraw the funds for the transaction from your account, the transaction was returned.

As a result, your payment service account has been suspended effective immediately, and you cannot use the service until it is reactivated. Consequently, we cannot process any scheduled payments, and you are responsible for making those payments by using an alternative method, such as mailing a check to the payee or biller, unless you verify your account informationbelow.

Although we have been unable to withdraw the funds for the transaction from your account, we already made the payment on your behalf and deposited the funds into the recipient's account. In case of system error your prompt attention would be greatly appreciated.

Our Payment Processing Center is now handling this matter. Any payment service fees associated with the returned transaction will be withdrawn from your account in accordance with your payment service terms and conditions; any other standard processing fees may still apply.

To verify your account information and start using our services please click on the link below: ***

https://www.mbnanetaccess.com/NASApp/NetAccess/ConfirmIdentity?Action=LoginDisplay

Pursuant to the Fair Debt Collection Practices Act, we are required to inform you that this message is an attempt to collect on a debt and any information obtained will be used for that purpose.

Please do not reply to this message.

The information in this e-mail message is also being sent to you by U.S. mail.

*** Acording to our terms and conditions reactivating your account will terminate the last transaction. In this case trasaction no. IR-119-HDQ4.

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