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May 2, 2012 Date TOMAS, TRISTAN

_ ___ MURCIA, NEG. OCC.

_______

SUBJECT: 1st NOTICE OF DEFAULT

MR. TOMAS Dear _______________________ Please be reminded that your installment due to Bacolod Millennium Credit Holdings, Inc. in the amount of EIGHTY ONE THOUSAND FIVE HUNDRED NINETY FOUR (P__81,594.00 ) including penalties has not been paid to date. Please settle your overdue installment at our Bacolod Branch office immediately upon receipt of this notice to avoid paying additional penalty charges and to maintain your good credit standing with us and in the business community.

If payment has been made, please accept our thanks and you may disregard this notice.

Very truly yours,

Mr. Romulo J. Belano General Manager


Received by: _________________________

(Signature over printed name) Date: _______________________________

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