Past Due Billing Letter

January 8, 2003

Josephine dela Cruz
Molave Subd.
Caloocan City

Dear Ms. dela Cruz:

I would like to inform that your account is seriously past due. Please kindly remit payment in full for the past due balance within the next 30 days. We accept MasterCard VISA, and Discover.

In regards with this matter, payment should be made to avoid any problem. If not, your account will be referred to an outside collection agency. Disregard this notice if payment is already on its way.

If you would like to make payment arrangements or if you would like to further discuss details of your account, please do not hesitate to get in touch with us at (053) 512-5134.

Sincerely your,

Fatima Mhay
Account Manager