July 27, 2011 Mr. Marcelo Del Pilar 1234 A. Lorenzo BF Paranaque. Sir: My client Mr.

Juan De La Cruz came to me complaining about your failure to make good your promise to return his money, despite repeated reminders, in the sum of Five Hundred Million Pesos (P500, 000,000.00). While court action appears to be convenient under the circumstances, however, in order to preserve cordial relations, and to avoid unnecessary expenses of litigation which will entail payment of attorney’s fees and costs of the suit, we have decided to give you this last chance to honor your commitment. In view thereof, please reach us thru our telephone number 978-69-88, if you are ready with the amount, or simply send payment by mail or any mode of payment most expedient for you within ten (10) days from receipt hereof. Otherwise, much to our regret, we shall be constrained to bring this matter to court for the protection of our client’s rights and interests. Very truly yours,

Atty. Neil Ian Ochoa Legal Counsel