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The Card!!!!!

CASH ADVANCE APPROVED:   YES                                  APPROVAL NUMBER: 000-458249
CREDIT LIMIT:                          $3,000.00                          APPROVAL EXPIRES: 09/01/97
CREDIT PROVIDER:                 MORNINGSTAR              BANK AFFILIATION:     NONE
CARD ISSUED:                          MORNINGSTARCARD    MEMBER STATUS:     PENDING
ANNUAL FEE:                            NONE                              APR:                             17.99%



DEAR FUTURE CARDHOLDER,

CONGRATULATIONS!  YOU HAVE BEEN PRE-APPROVED FOR A $3,000.OOO UNSECURED CREDIT LINE FROM THE FINANCIAL DIVISION OF MORNINGSTAR ENTERPRISES REGARDLESS OF YOUR PAST CREDIT.

YOUR APPROVAL NUMBER IS 000-458249 AND YOUR PRE-APPROVED CREDIT AMOUNT OF $3,000.00 FOR CREDIT PURCHASES AND CASH ADVANCES WILL BE AVAILABLE ONCE YOU RECIEVE YOUR MORNINGSTARCARD JUST BY CALLING NOW!

AS A MEMBERSHIP BENEFIT, YOU WILL BE PROCESSED*  AT NO COST FOR AN UNSECURED MAJOR CREDIT CARD WITH A CREDIT LINE OF UP TO $5,000.00 REGARDLESS OF PAST CREDIT.

SEND NO MONEY NOW  - THERE IS NO SECURITY OR MONEY DEPOSITS REQUIRED!  CALL IMMEDIATELY WITH YOUR APPROVAL NUMBER TO ACTIVATE YOUR MEMBERSHIP AND ITS BENEFITS.

BY ACTING NOW - WE'LL ASSIGN YOUR MORNINGSTARCARD WITHIN THE NEXT 48 HOURS AND THEN APPLY YOUR ONE TIME MEMBERSHIP FEE BY THE PAYMENT METHOD YOU PREFER.  IN ADDITION, YOU'LL RECEIVE $100.00 OFF YOUR FIRST CREDIT PURCHASE OVER $200.OO WITH THE MORNINGSTARCARD JUST BY CALLING NOW!

GETTING MORE CREDIT IS AS SIMPLE AS CALLING US TODAY T0 ACTIVATE YOUR MEMBERSHIP AND TO OBTAIN YOUR PIN CODE FOR CASH ADVANCES BEFORE YOUR APPROVAL EXPIRES.

SO CALL NOW AND GET THE CREDIT YOU DESERVE.  100% QUALITY ASSURANCE AND NO LESS!

                                            CALL RIGHT NOW(IF BUSY KEEP TRYING)
                                                 ********** 1-702-435-1930**************
                         FOR IMMEDIATE ACTIVATION AND ESTABLISH FOR CREDIT TODAY!

  * YOU MUST CALL TO OBTAIN YOUR PIN CODE FOR CASH ADVANCES AND FOR MEMBERSHIP ACCEPTANCE ALONG WITH OBTAINING COMPLETE DETAILS OUTLINING OUR PROGRAM!