Dear

It was a pleasure speaking with you today and as I
promised, I am enclosing literature on the [products]

I will be happy to get together with you, upon your
request, to explain the functions of each system in
order to assist you in your decision making process.

Thank you for the coutesies you extended during our
telephone conversation. I hope that we can assist you
with your requirements.

Dear

Thank you for your inquiry about our [equipment] I am
enclosing our catalog for your review.

We developed [name of equipment] to provide
educators with a comprehensive and effective means of
transmitting information and to help modernize educational
methods. That children are highly receptive and stimulated
to learn through the usage of audio-visual material, is
widely accepted by educators throughout the field.

After you have reviewed our material, we would appreciate
hearing your comments, and we will look forward to answering
any questions you have about our product.

Once again, thank you for your interest in the [product]

Dear

Thank you for the recent opportunity of serving you in our
Installment Loan Department. The coupon book enclosed is
provided for your convenience in making payments on your
note. It will furnish you with a record of payments. We
are certain that you will appreciate the convenience
afforded by this book.

Please make all payments directly to us. They may be made
at any teller’s window, including the drive in, or payments
may be made by mail. Checks or money orders should be made
payable to [name of bank]

Please let us know if we can be of assistance to you in any
of the other numerous banking services that we offer
including checking accounts, savings accounts, trust
department and investment counseling.

Please feel free to drop in anytime at your convenience to
discuss your further needs with our staff.

Gentlemen:

Pursuant to your request as to a clarification on the
apparent derogatory findings in your review of my credit
history, I am submitting this correspondence for your
consideration, as well as the lender concerned. Please
be advised as follows:

1. The account held in the name of Bernard T. Emerson
with Gourmet Foods, is not mine.

2. I have asked my secretary to forward a copy to you
of the paid check issued to Flowers Unlimited over
six months ago.

3. I have never maintained a charge account with Lewis
Brothers Furniture Company, nor have I ever resided
at the address indicated in their report.

I sincerely hope that this will assist you in producing an
up to date report. If you should require further
information, please don’t hesitate to call my office.

I would be appreciative if you would forward your updated
report to the lender. Please feel free to include this
correspondence if you so choose.

Dear

Please find the enclosed copy of my deposition which I
have signed noting the following corrections:

1. On page , line , my response should read

2. On page , line , my response should read

I would appreciate it if you would arrange to have this
document sent to counsel for [other party to litigation]
in the appropriate manner. Thank you.

Dear

You are one of our most valued accounts and it is with deep
regret that I must advise you of a change in your account
credit status.

From now on, it will be necessary that a check accompany
each order for merchandise from your firm. We must insist
upon this until your account is brought up to date, at which
time we will reevaluate your open account status.

I know this will represent an inconvenience to you and I hope
that this will not interfere with our long and profitable
relationship.

We value your business and look forward to resolving this
difficulty in the immediate future. If I may be of further
assistance please call me at your convenience.

CONTRACT FOR SALE OF GOODS

Agreement made and entered into this [date] , by and
between [name of seller], of [address]
[city] , [state] , herein referred to as “Seller”,
and [name of buyer] , of [address]
[city] , [state] , herein referred to as “Buyer”.

Seller hereby agrees to transfer and deliver to buyer, on
or before [date] , the following goods:

Buyer agrees to accept the goods and pay for them in
accordance with the terms of the contract.

Buyer and Seller agree that identification shall not be
deemed to have been made until both parties have agreed that
the goods in question are to be appropriated and fulfill the
requirements of performance of said contract with the buyer.

Buyer agrees to pay for the goods at the time they are
delivered and at the place where he receives said goods.

Goods shall be deemed received by buyer when delivered to
address of buyer as herein described.

Until such time as said goods have been received by buyer,
all risk of loss from any causualty to said goods shall be
on seller.

Seller warrants that the goods are now free from any
security interest or other lien or encumbrance, that they
shall be free from same at the time of delivery, and that
he neither knows nor has reason to know of any outstanding
title or claim of title hostile to his rights in the goods.

Buyer has the right to examine the goods on arrival and has
[number] of days to notify seller of any claim for damages
on account of the condition, grade or quality of the goods.
That said notice must specifically set forth the basis of
his claim, and that his failure to either notice seller
within the stipulated period of time or to set forth
specifically the basis of his claim will constitute
irrevocable acceptance of the goods.

This agreement has been executed in duplicate, whereby both
buyer and seller have retained one copy each, on [date] .

______________________________
______________________________
[Signatures]

CONTRACT FOR SALE OF GOODS

Agreement made and entered into this [date] , by and
between [name of seller], of [address]
[city] , [state] , herein referred to as “Seller”,
and [name of buyer] , of [address]
[city] , [state] , herein referred to as “Buyer”.

Seller hereby agrees to transfer and deliver to buyer, on
or before [date] , the following goods:

Buyer agrees to accept the goods and pay for them in
accordance with the terms of the contract.

Buyer and Seller agree that identification shall not be
deemed to have been made until both parties have agreed that
the goods in question are to be appropriated and fulfill the
requirements of performance of said contract with the buyer.

Buyer agrees to pay for the goods at the time they are
delivered and at the place where he receives said goods.

Goods shall be deemed received by buyer when delivered to
address of buyer as herein described.

Until such time as said goods have been received by buyer,
all risk of loss from any causualty to said goods shall be
on seller.

Seller warrants that the goods are now free from any
security interest or other lien or encumbrance, that they
shall be free from same at the time of delivery, and that
he neither knows nor has reason to know of any outstanding
title or claim of title hostile to his rights in the goods.

Buyer has the right to examine the goods on arrival and has
[number] of days to notify seller of any claim for damages
on account of the condition, grade or quality of the goods.
That said notice must specifically set forth the basis of
his claim, and that his failure to either notice seller
within the stipulated period of time or to set forth
specifically the basis of his claim will constitute
irrevocable acceptance of the goods.

This agreement has been executed in duplicate, whereby both
buyer and seller have retained one copy each, on [date] .

______________________________
______________________________
[Signatures]

CONTRACT

THIS AGREEMENT, made and entered into this ___ day of
_________, l98_, by and between ___________________, the
Seller, and ___________________, the Buyer:

1. The seller hereby undertakes to transfer and deliver
to the buyer on or before __________, l98_, the following
described goods:

2. The buyer hereby undertakes to accept the goods and
pay for them in accordance with the terms of the contract.
3. It is agreed that identification shall not be deemed
to have been made until both the buyer and the seller have
agreed that the goods in question are to be appropriated to
the performance of the contract with the buyer.
4. The buyer shall make payment for the goods at the
time when and at the place where the goods are received by
him.
5. Goods shall be deemed received by the buyer when
received by him at .
6. The risk of loss from any casualty to the goods
regardless of the cause thereof shall be on the seller until
the goods have been accepted by the buyer.
7. The seller warrants that the goods are now free and
at the time of delivery shall be free from any security
interest or other lien or encumbrance.
8. The seller further warrants that at the time of
signing this contract he neither knows nor has reason to
know of the existence of any outstanding title or claim of
title hostile to his rights in the goods.
9. The buyer shall have the right to examine the goods
on arrival, and within business days after such delivery
he must give notice to the seller of any claim for damages
on account of the condition, quality, or grade of the
property, and must specify the basis of his claim in detail.
The failure of the buyer to comply with these rules shall
constitute irrevocable acceptance of the goods.
10. Executed in duplicate, one copy of which was
delivered to and retained by the buyer, the day and year
first above written.
/S/……………………..
/S/……………………..

CONSUMER CREDIT APPLICATION

Name _ Date _
Address _
City _ State _ Zip _
How long at address _ Own or Rent _
Employed by _ Position _
How long _ Salary $_
No. dependents _ Type car owned _ Year _
Other sources of income:
_ $_
_ $_
Outstanding obligations:
_ $_
_ $_
_ $_
_ $_
Pending lawsuits: _

Have you filed bankruptcy within last 6 years? _
Credit references:
Name _ Address _
Name _ Address _
Name _ Address _
Bank references:
Name _ Address _
Checking _ Savings _
Visa Card _ Master Card _
American Express _ Other Credit Cards _

NOTICE

When making applicatin for credit, it is understood that
an investigation may be made whereby information is obtained
through personal interviews with your neighbors, friends, or
others with whom you are acquainted. This inquiry includes
information as to your character, general reputation, personal
characteristics, and mode of living. You have a right to make
a written request within a reasonable period of time to
receive additional, detailed information about the nature and
scope of this investigation.

__________________________________________
Applicant