August 30, 2013

Christian Joy Pineda BDO Dasmariñas Bldg., 5F Check Statement Processing Section-Printing and Processing Dept. (CSPS-PPD) Dasmariñas St. cor. Marquina St., Binondo, Manila

This letter will serve as a formal notice that you are in default of your obligation to pay the remaining oustanding balance of the Php110,000 loan availed in Chinatrust last May 8, 2012. Obligation to pay in full has been overdue. Debtor, Christian Joy Pineda, agreed to pay the remaining Oustanding Balance, Pretermination Fee, Penalty Fee and other fees applicable on or before September 28, 2012 based on the signed Promissory Note dated August 29, 2012. Unless full payment is received by us in full within seventeen (17) days of the date of this letter, September 16, 2013, we will have no alternative but to execise whatever rights and remedies we have under the law to enforce such payment, including but not limited to insititution of legal proceedings against you to recover the loaned amount, together with accrued interest and legal expenses. Kindly govern yourself accordingly.

Yours truly, Mary Katherine D. Visco

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