Dear Kristi Giron, 
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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