Terminate Credit Card Letter

January 23, 1999

Charlen Sarmiento
Wayne Credit Association
Angeles, Pampanga

Dear Ms. Sarmiento:

I would like to close my credit card effective immediately. Please terminate the following account.

Account Number: 738360385
Expiry Date: October 20, 2001

In this regard, please update my credit report.  Also, inform appropriate credit bureaus that this account was closed at my request.

Thank you for your prompt action.

Very truly yours,

Lennith Roxas