February 15, 2004

Mrs. Loida Piamonte
Villa Catalina Subd.
Orion, Bataan

Dear Mrs. Piamonte:

You did not reply to our reminders of your overdue accounts. We cannot accept any further delay in paying your balance due. Please sent at least a partial payment now and phone us to come up to a possible agreement.

If we do not hear from you within 3 business days your account will be forwarded to a collection agency.

Sincerely,

Anneth de Guzman
Account Manager