May 20, 2013 Name Address This letter will serve as formal notice to you that the checks

you have issued to me have been returned by the bank for insufficient funds/account closed !lease see attached "hotoco"ies of said checks#$ %ou have failed to re"ay the amount des"ite my re"eated re&uests for "ayment$ 'nless you "ay the above amount in full within ten 10# days of the date of this letter, ( will be forced to e)ercise whichever ri*hts and remedies ( have under the law to enforce such "ayment, includin* but not limited to institution of le*al "roceedin*s a*ainst you to recover the above amount, to*ether with accrued interest and le*al e)"enses$ %ours truly, +ohn ,ruise