March 25, 2021

ROLAINE MARRIE C. ROMERO

Philippine National Bank

Greetings!

We, Mr. Redilardo L. Sagum, Imelda C. Sagum and Arold C. Sagum of Sta. Catalina,
San Luis, Pampanga had asked a favor from you by this time, we are going to pay in
full our loan balances to you on March 30, 2021. In this regard, we would like to ask
for another favor from you by letting us waive the termination fee of 3% the moment
we settle in full our loan obligation to you.

We do appreciate your kind heart in helping people like us. Acknowledge our
heartfelt gratitude for the consideration you may extend to us.
Stay healthy and safe. God bless!

Respectfully yours,

Redilardo L. Sagum

Imelda C. Sagum

Arold C. Sagum