(1) MR. JOSE ABUSADO, It has come to our attention and to our client, Ms.

Naty Ferrer, of your delinquency to pay the monthly rental fee of Php 18, 000 since August 2007. Hence, your balance has amounted to ONE MILLION, TWO HUNDRED AND TWENTY-FOUR THOUSAND PESOS (Php 1, 224,000.00). We ask that you settle your balance within thirty (30) days after receipt of this letter to avoid any any legal proceedings. Failure to pay the amount after the period shall result to judicial proceedings for forfeiture of lease agreement, ejectment, and recovery of delayed lease payments with damages. Moreoever, you shall not be entitled to the deposit refund as stated under Clause 10 (a) of the leasing agreement as a result of such breach. This is a serious matter which requires your immediate attention. We like to extend a final opportunity to avoid the escalation of this matter. Sincerely, Lozada Law Firm *** (2)(A) QRS COROPORATION, INC. Our firm LOZADA LAW FIRM, has been retained by Mr. Joseph Ramos to collect your account with an outstanding balance of TWO MILLION AND FIVE HUNDRED THOUSAND PESOS (Php 2,500,000.00) for acquiring his services as a building contractor. Our client has substantially performed his services in good faith by completing NINETY FIVE PERCENT (95%) of your building. Under Article 1234 of the Civil Code, he is entitled of the payment of the balance as stated above. We shall give you fifteen (15) days after receiving this letter to settle such account. Failure to pay shall force us to institute legal actions against your corporation. We hope to get your payment as soon as possible. Sincerely, LOZADA LAW FIRM

*** (2)(B) ATTY . LAGINGGALIT We have received your letter requesting for a 30- DAY EXTENTION wherein your client shall PAY SEVEN HUNDRED THOUSAND PESOS (Php 700,000.00) and the BALANCE SHALL BE PAID IN THIRTY SIX (36) EQUAL INSTALLMENTS MONTHLY . Although we are pleased to know of your cooperation to settle this matter, we regret to inform you that our client does not accept the terms that you have offered. However, he is willing to give you a SIXTY (60) DAY EXTENTION for the WHOLE PAYMENT OF TWO MILLION AND FIVE HUNDRED THOUSAND PESOS (Php 2,500,000.00) to avoid further loses for him. Failure to pay the complete balance after the period shall force us to commence with the judicial proceedings without further notice. We shall expect your reply two (2) days after receiving this letter. If no reply shall be made, it shall be understood that you have NOT accepted our offer and the offer shall be null and void. Payment then shall be due in accordance with the previous demand. We hope for your reply. Sincerely, LOZADA LAW FIRM *** (3) MS. MONICA RIVERO Our law firm TAN SY CO & ASSOCIATES represent WORLD CELLPHONE INC., the primary cellular phone service provider in the Philippines. For two years, you have been enjoying the excellent service of our client and they as well have been valuing a customer such as you are. Therefore, it is with their great concern to remind you of the unpaid bill of four (4) months which amounted to a balance of THREE THOUSAND AND EIGHT HUNDRED AND FIFTY PESOS, AND SIXTY CENTAVOS (Php 3,850.00) on your account.