PABLITO, DACAYANAN, ARCIAGA

PABLITO, CHUNGALAO-ARCIAGA

& ASSOCIATES LAW OFFICE

Suite 210 Hamada Commercial Building

No. 15 Upper Mabini Street, Baguio City

Tel. No. (074) 443-8053

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Dear _________________________,This is to inform you that the KEDSER LOAN SERVICE has engaged the services of this Law Office regarding a Real/Chattel Mortgage and Promissory Note you executed and signed on _________________________.

The Real/Chattel Mortgage and Promissory Note states that you owe the KEDSER LOAN SERVICE an amount of __________________________________ PESOS (P_____________), which amount you promised to pay on _____________________.

Your obligation remains unpaid despite repeated demands. Our client intends to pursue the appropriate legal action against you. It is, however, the policy of our law office to seek peaceful remedies in resolving disputes before resorting to the coercive powers of the courts of law.

In this connection, you are hereby given FIVE (5) days from receipt hereof within which to make the arrangements for the payment of your obligation, otherwise, we shall be constrained to use more forceful measures against you.

Consider this our last and final demand.

Very truly yours,

_______________________________Counsel