[Date]

Union Bank of the Philippines

Union Bank Plaza,
Meralco Avenue cor. Onyx Street,
Sapphire Roads, Ortigas Center, Pasig City
To whom it may concern:
I am sincerely sorry for the delay in the payment of my credit card Union Bank
Visa Card No. 4404-5305-0464-4006. On January 23, 2012, my grocery store,
which was my main source of income, was totally gutted by fire. Due to the fire
and the fact that my employees secretly stole money from the grocery, which I
just recently found out, I incurred heavy losses suffered by my business. I ask
your good office to give me time to make good on my account.
If you review our file, you will find that payments have, for the most part, been
made on time. Our relationship with your bank is very important to us, as well as
my desire to maintain a good credit rating.
Thank you very much for your consideration of this request.
Sincerely,
Evelyn U. Domingo