Credit Reference Sample Letter

October 14, 2007

RRD Financing Agency
Loyola Heights
Quezon City

To whom it may concern:

Good day!

This letter is certify that Mr. and Mrs. Greg Marcelo took out a mortgage loan in January 2003 secured by their residence, the repayments of which have always been kept to date.

Our record shows that there have been no 30 day late payments in the last 12 months and no 30 day late payments in the last 24 months. Their account number is 05418264.

I will assured you that Mr and Mrs. Marcelo has excellent credit standing,

Best Regards,

Nancy D. Fabunan
Accounting Manager
Santis House Developer