October 11, 2012

Ms. Erika Geronimo 1261 Sisa St. Sampaloc Manila, Philippines

Dear Ms. Geronimo:

Greetings!

We would like you to be informed that we already received you payment that was due last month. Thank you for complying to us. Please make sure that you pay your credit accounts every last week of the month. Customers who cannot comply are charged 5%.

We already fixed your account and you may now make transactions. Please observe the terms and conditions of your contract to avoid inconvenience. If the client overtake the given time for payment, we will be oblige to block their accounts.

We acknowledge doing business with you. If you have any concerns, please feel free to contact us at 354-8213/217-4146/09175544387. We are looking forward in serving you in the future. Thank you very much.

Sincerely,

Roni B. Martin Branch Manager BPI Capital Corporation

Letter of Acknowledgement