Kenneth Cleaver 

Consumer Correspondent

September 23, 2005

Mr. George S. Bailar

Executive Vice President & CIO

Capital One Financial Corporation

1680 Capital One Drive

McLean, VA 22102

Dear Mr. Bailar:

I am interested in acquiring street credit. I'm not sure how much I need. My associate only said, Mad amounts, mad soon. Beyotch.

A banker colleague insisted that this is not the sort of credit available through established channels. He also indicated that it was not available to people like me. I don't understand what he meant. It was hardly appropriate. My credit history is outstanding.

At any rate, I'd appreciate all the information about street credit programs, as well as the necessary fees and disclosure paperwork.

I need this credit quickly. My associate says it's an effective bulwark against getting popped in the grill. I have no idea what he means, but it sure sounds unpleasant. So, if you could speed up the process, I'd really appreciate it.


Kenneth Cleaver

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