Credit Card Account Letter

October 24, 2004

Ms. Haydelyn D. Reynosa
Account Manager
JTEL Incorporated
Cubao, Quezon City

Dear Mr. Reynosa:

I would like to inform your good office that I am going to close my account number 5648-4846-7845 by end of next month, November 2004 with JTEL Incorporated.

I do not have financial obligation with this credit card since I already paid my account balance last month.  I request to close my account immediately.

Also, I would like to see the notation in the report to the credit bureaus that my account was closed b request of cardholder. Please send me a written evidence that my account is already close with good standing. Enclosed here is my destroyed credit card.

I hope for prompt action regarding this matter.  Thank you.


Nathaniel D. Escapolante
Santis Subd.
Caloocan City

Encl: destroyed credit card