You Can Choose to Transfer Balances and Save Money

Dear J Farmer,
Only a select group of customers has qualified for this special
opportunity, and we're delighted to count you among them.
Take advantage of this special offer to pay off high rate credit cards
at your low Balance Transfer rate today!!
But you must act soon...Please visit balancetransfer.accountonline.com before 12/10/01
to take advantage of this offer.
Sincerely,
Kendall E. Stork, President and CEO
Citibank (South Dakota), N.A.
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