Letter Refusing Credit

October 19, 2005

Ms. Hannah de Lara
Pilsen Subd.
Orani, Bataan

Dear Ms. de Lara :

We gave out consideration for your application for a credit account.  Since it is company policy to secure information before a credit account is granted, we asked you to furnish us the necessary information; however, we think that such information would not allow us to grant you credit at present.

We suggest that you visit our firm to let us explain in detail the credit privileges.

Sincerely yours,

Carmela Samaniegio