Reminder Letter – Patronage Refund

January 15, 2006

Mr. Ner Lorenzo
Kalayaan Subd.
Abucay, Bataan

Dear Mr. Lorenzo:

Our records show that you have not yet claimed your patronage refund form our cooperative for the year 2005. We are therefore reminding you to claim said refund; otherwise, all unclaimed amounts will be reverted to the capital investment of the cooperative.

Truly yours,

Reinchard Herrera