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Regarding your request

Credit Card Center PO Box 653062 Dallas, TX 75265-3062

ACCOUNT NUMBER 7575773145552000

January 28, 2012

DJOKO ANDYANSYAH 4860 WASHTENAW AVE STE 1 121 ANN ARBOR MI 48108-3401

www.ShellCreditCard.com

Dear DJOKO ANDYANSYAH: Why we're writing you Thank you for your request to increase the credit/cash line on your account. Unfortunately, the request was declined. We are unable to approve your request because your credit report shows the following: Serious delinquency. Ratio of revolving balances to cred. limits too high.

Here's what you should know

Our credit decision was based, in whole or in part, on information obtained in a report from the consumer reporting agency listed below. Experian P.O. Box 2002 Allen, TX 75013-0036 1-888 EXPERIAN (1-888-397-3742) You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply the specific reasons why we have denied credit to you.

Free copy of your credit report Information about Your Credit Score

You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency. We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your score is a number that reflects the information in your credit report. Your score can change, depending on how the information in your credit report changes. Your score: 569 Date: 01/2012 Scores range from a low of 250 to a high of 900. Key factors that adversely affected your score: Serious delinquency. Ratio of revolving balances to cred. limits too high.

Enclosure 0/LR/O36300/001//////F2012012800008054/14674/14674/000

No action is required.

Reference ID: 48BA64C20B7EEC5D0050

ACCOUNT NUMBER 7575773145552000

We regret any inconvenience this may have caused and look forward to serving you. Sincerely, Manager, Credit Review 605-334-3193 FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Unit, 1301 McKinney Street, Suite 3450, Houston, TX 77010. The creditor is Citibank, N.A., 701 E. 60th St. N., Sioux Falls, SD 57104. Please direct any questions to the return address on this letter.