Brian Ristuccia 45 Harjean Rd. Billerica, MA 01821-2242 Tina Hill Teleservices Direct 6050 Corporate Way Indianapolis, Indiana 46278 January 12, 2000 Dear Ms. Hill: Thank for your letter of December 22, 1999 and the enclosed check of $500. I am happy to accept your appology and your check as restitution for your firm's December 7, 1999 offense. I'm sure you'll be glad to know that I put the money to good use by purchasing a number of very nice Christmas presents for girlfriend and my family. For a low income student like myself, money is often tight and your company's decision to do the right thing helped ease my holiday finances and allowed me to give nice things to the people I love. Please be aware that I reserve my right to collect damages for the subsequent offenses, especially the two for which your firm admitted guilt in your December 22, 1999 letter. I'm sure this will serve as a strong incentive for Teleservices Direct and its successors to ensure that they do not ever call me again. Thank You. Brian Ristuccia