941201; MBNA America: MasterCard 5329 0311 6100 4195

MBNA America
P. O. Box 15026
Wilmington, DE 19850

December 01, 1994

Rod Welch
440 Davis Court #1602
San Francisco, CA 94111 245040

Subject: MasterCard 5329 0311 6100 4195

Dear Rod Welch:

We are writing concerning the dispute of the charge for $187.00 with Southwest.

So that we may assist you with your inquiry, please send us a letter describing each of the following:

The reason you cancelled;
The date of cancellation;
Your attempt to correct the situation; and
The status of your ticket.

Also, please include a copy of any of the following that apply:

A doctor's note indicating our inability to travel;
The ticket; and
The return receipt signed by the merchant verifying that the ticket is now in his/her possession.

Please note that if you were aware at the time of purchase that your ticket was not refundable, we will not be able to assist you with your dispute.

Carefully read the statement below. If it accurately describes your situation, please sign and date below. Please do not alter this letter.

I have attempted to resolve this matter with Southwest and have not received credit on my account. Therefore, I will not be responsible for payment of $187.00


Signature:                                          Date:
          ---------------------------------------        --------------------
Account No:  5329 0311 6100 4195            Disputed Amt:  $187.00

Please review this form to make sure you have provided all needed information and copies. Then send all the requested informatoin to us at P.O. Box 15026, Wilmington, DE 19885. We have enclosed a postage-paid envelope for your convenience.

The Fair Credit Billing Act imposes strict time limits for resolving billing disputes. We need to hear from you within three weeks of the date of this letter. Otherwise, we will assume you have resolved the matter with the merchant, and we will consider the matter closed.

We are at your service 24 hours a day, seven days a week. For any assistance, please call us at 1 800 634 2927.

Sincerely

Suzette Lonacre
Customer Advocate
690-099(5/94)