September 6", 2019 RE: David Antonio Grajeda Life Insurance Policy # 154 216 086 ‘To Whom It May Concer: 1, David Grajeda had been explained about all the options I have for the payment of the existing loan on my life insurance policy. I affirm that I have understand that by choosing to pay my loan with the existing cash value my death benefit will reduce proportionally. My advisor has advised to send payments towards the loan instead of paying it from existing cash value, but it is my decision to pay the existing loan on my policy using the available cash value. Sincerely, David Grade Policy Owner