In connection with my application of a ___________ loan under the ABCS Loan Program / Service in the amount of ______________.  I hereby authorize the office in charge in the preparation of salary deduction of Employees at Oriental Enterprises headed by Finance and Management Service Director, Mr. Ariel Joshua in favor of ABCS to deduct from my salaries / wages / other income the amount of ______________ corresponding to the monthly amortization for the said loan.

This authority shall be in force during the term of my employment and until full payment of the said loan.  In case I transfer to another government institution / agency, I shall inform my new employer of my existing Loan, and execute a new Authority to Deduct to ensure the continuity of my payroll deduction.

__________________________________
Signature of Borrower over Printed Name

Ms. Hazel L. Mendoza
ABC Land Development Inc.
Pasay Taft, Paranaque

Dear Ms. Mendoza:

I am writing this letter to explain my late payment on my house mortgage.  I really feel very upset that this has ever happened to but I was laid off my job so it is hard to pay all my bills on time.

I believe that with my expertise in my field, I can assure you that I will be employed next month. I assured you that once I gain my employment back, I will be able to pay you in full once again.

I am trying my best to pay these bills and I’m not ignoring your bills at all.  Please let me know if you can do for me including loan modification program or extending my payment deadline.

I hope for your consideration and thanks in advance.

Sincerely yours,

Tedwell M. Tamayo

HL Account No. 456176478
Mr. Eduard Zonnia
Rosal St.
Abucay, Bataan

Dear Mr. Zonnia:

We wish to inform that your HDMF housing loan application for House Construction has been approved in the amount of Seven Hundred Fifty Thousand Pesos (Php 750,000.00)/

The loan shall bear an interest rate of Seven percent (7%) per annum.  However, we shall re-price the interest rate of your loan every three (3) years at rates based on prevailing market rates at point of re-pricing, which shall not exceed NINE (9%) per annum.  It shall be secured by your Real Estate Mortgage on certain property covered by TCT/CCT No. T-134267 by the Registry of Deeds of Bataan.

In line with this approval, you shall execute a Loan and Mortgage Agreement (LMA) in favor of the HDMF which shall be annotated on the TCT/CCT, whereupon you are to submit the following documents:

-    TCT/CCT in the name of borrower with proper mortgage annotation in favor of HDMF (Owner’s Duplicate copy)
-    Certified true copy of TCT/CCT in the name of borrower with proper mortgage annotation in favor of HDMF (RD’s copy)
-    Certified true copy of tax declaration of lot upon annotation of mortgage
-    Loan and Mortgage Agreement duly registered with Registry of Deeds bearing original RD stamp
-    Duly accomplished/notarized Promissory Note
-    Building/Electrical/Sanitary Plans and Permits duly approved by the building official
-    Occupancy Permit
-    Please refer to Annex “A” for other terms and conditions

You are automatically covered by an interim insurance from date of issuance of this notice up to takeout date.  The interim insurance premium shall be based on number of days from date of issuance of this notice up to date of the voucher, and shall be deducted from your loan takeout proceeds.  In case the effectivity period of this notice has lapsed but was later extended, the interim insurance coverage shall take effect from the date of extension.

Your upgraded contributions, net of mandatory contributions, shall be incorporated to your monthly payments.  However, if you are an individual payor/self-employed or POP member, both the mandatory and upgraded contribution shall be incorporated to your monthly payments.  In either case, said contributions shall be considered as contributions for the applicable month.

You are hereby requested to pay an additional of Two Thousand Pesos (Php 2,000.00) as processing fee upon loan takeout.

The HDMF guarantees to release net proceeds of the loan provided all loan documentation requirements are submitted to HDMF within ninety (90) calendar days from receipt of this advice, and the same are found to be complete, valid, and acceptable.  Otherwise, the loan shall be deemed cancelled.

Should you have any query regarding your application, please visit our office or call us at telephone numbers: (047) 481-3606 and 481-1181.

Very truly yours,

BRENDA T. CAO
Asst. Dept. Manager

Rizza L. Bautista
738 Brunch Subd.
Orani, Bataan

Dear Sir/Mam:

We at UNIT BANK, A Rural Bank Inc. welcome and thank you for patronizing our deposit product.

We are equally honored to have you as a new member of our growing family and in return, our Bank is committed to provide you with an optimal “Personalized Service”.

If there is anything you want to know more about us and our product and services, please feel free to call or visit us at our branch  It will be our pleasure to serve you.

Very truly yours,

SUSAN L. SONGCO
Branch Manager

The Manager
ABC Unity Bank
Caloocan City, Manila

Dear Sir:

We have a Current Account in your Bank in the name of Save and Delete Computer Shop.

We wish to have overdraft facilities up to Php40,000 for a period of three months.  If you require we can offer Insurance Policies and Postal Saving Certificates, etc., to the tune of Php50,000 as security against the same.

We would be obliged if you let us know if this can be arranged immediately and also guide us regarding the relevant documentation.

If any further details are required, our Finance Manager will be glad to see you in person.

Sincerely yours,

Reign Gloria

Ms. Glaiza Arellano
Digibook Inc.
Angeles, Pampanga

Dear Ms. Arellano:

In response to your announcement in Manila Time Magazine, I present my details with pleasure for the post of Librarian.  I have enclosed my curriculum vitae as per the requirements you have stated in the advertisement.

I am a graduate of Library Science from Pilar State University where I also took up graduate studies.  I have been working in a Bataan Library for the last five years and have practical experience of classifying and cataloguing of books and periodicals. In addition, I am conversant with different modern systems of cataloging and copying documents.

I wish to discuss my credentials further through an interview at your most convenient time.  Please contact me at the above address.

Very truly yours,

Rosalie  Flores

The Bangko Sentral ng Pilipinas (BSP) will be implementing new procedures on check clearing starting on January 24, 2011.  Under BSP Circular No. 681 re: Revised Checking Clearing and Settlement Processes, checks with insufficient funds shall be dishonored and returned not later than 7:30 AM on the clearing day following the original date of presentation.

This means that Unity Bank, a Rural Bank, Inc. (URI) will no longer be able to advise its valued clients to fund their checks.  The bank is now required to return to the Philippine clearing house corporation (PCHC) all unfunded checks for value on date of deposit.

Therefore please ensure that all your check are funded to avoid inconvenience and/or penalties.

For any clarification, please feel free to approach any of our branch officers.

Thank you.

The Management

Ms. Angelique Lazo
Gabon, Abucay, Bataan

Dear Ms. Lazo:

I am very much happy to write that a new branch of our Gift Shoppe is being inaugurated in Isettan Supermarket by the Chairman of the Balanga traders Association on next Wednesday.

Exciting gift prizes and cash will be given in a lucky draw on all first day purchases. Also, we are offering a discount up to 30% on selected item.

We thank you so much for your past patronage and assure you of better and brighter service in the future.

Sincerely yours,

Anna Lee

Ms. Anna Mae Sy
Apollo Subd.
Orani, Bataan

Dear Ms. Sy:

We are happy to inform you that we are opening a new branch of our bookstore in view of the increasing demand of our customers and to deliver prompt and speedy service to all our patrons.

Our new branch is more spacious one and offers all you want under one roof.  Also, it is fully air conditioned and conducive to everyone.

We take this opportunity to invite you to our inaugural function on February 5 at 9 a.m. and to renew your trust in us, which we have been enjoying since the very beginning of our business here. In addition, we offer inaugural discount of 8% on all purchases made in the first week

Sincerely yours,

Lolitte Felipe

Mrs. Imelda Romualdez
#24 Rizal St.
Sta. Ana, Manila

Dear Mrs. Romualdez:

I have received today a letter from you citing that I owed an amount of Php8,000 (Eight thousand pesos).

I request you to kindly re-check your books because I had paid the said amount last February 25, 2007 by cash, the receipt of which I am enclosing for your perusal.  I think it is just a human error.

Kindly correct your statement of accounts and the dues standing in my name.

Sincerely yours,

Mrs. Gillian Melinda