Financial Hardship Letter

January 30, 2004

Ms. Jennifer R. Santos
Manager
ABC Financial Association
San Fernando, Pampanga

Dear Ms. Santos:

I would like to inform your good office that I am experiencing financial hardship right now because I was laid off from my work last month and it caused me to be delayed on my bills.

My record shows that I have maintained a solid history with you until this unfortunate situation and I believe that this situation is temporary. As soon as I find a job, I will continue regular and full payments.

In this case, I would like to discuss loan forbearance and welcome any suggestions that might help me to get back on track. I hope to hear from you soon.

Sincerely,

Mr. Gino D. Zamora