1010 Broadway
New York, NY 10033

August 10, 19__

Mr. Donald Cortland
20-67 Kissena Blvd.
Queens, NY 11203

Dear Mr. Cortland:

Thank you for your recent application for a Hans $ Meyer charge account.
However, we believe it would not be in your best interest to grant you
credit at this time.

An impartial credit investigation indicates that your present financial
obligations are substantial. We fear that adding to those obligations
could jeopardize your sound credit standing in the community.

Of course, Mr. Cortland, you are always welcome to shop at Hans & Meyer's
where we will try our best to serve you in anyway possible. And if, in
the future, your obligations should be reduced, feel free to happy again
for a charge account. We shall be delighted to reconsider.

Cordially yours,