Your letter requesting that we bill you quarterly rather
than monthly, presents us with somewhat of a problem.

Inasmuch as we would like to welcome you as a new customer
of our firm, we would like to accommodate you in any way
possible. Your request, however, would result in your
receiving preferential treatment for your account and would
be unfair to all of our customers who must settle their
accounts within 30 days. If we were to offer the terms
you have requested to all of our customers, we would soon
be out of business entirely.

I am sure you can understand our position in this matter.
We would welcome your account on our regular open account
basis and hope that we will have the opportunity to provide
you with our fine line of products as well as service.

This is to acknowledge receipt of your letter of [date],
in which you requested a three month extension on your
[type of] loan, number [number]

After careful review, we regret to inform you that we are
unable to grant you any further extensions for the payment
on your loan.

We are sorry about the difficulties you are experiencing,
but we must insist on receiving your payment by [date]

We hope that you will be able to find another solution to
your problem.

This letter is in response to your inquiry regarding our
flexibility in the discount rate we offer for early
settlement of accounts.

Our established discount is 2% of the total invoiced amount
when payment is received within 10 days of delivery. This
figure is not one that has been arbitrarily chosen, but is
based on cost, overhead and profit. To increase this discount
rate for all of our accounts would seriously jeopardize our
firm and to increase the rate for an individual account would
be both unfair and unethical. I believe that you will find
that the 2% discount rate we offer our customers is standard
in the industry.

We consider you a most valued customer and hope that you can
appreciate our position in this matter. If we are able to
accommodate you in any way that is within our company policy,
we will be most happy to do so.

Date: _

To: _

The undersigned is the holder of the below described
[check] [note] to which you are an endorser.

Notice is hereby provided that said instrument has not
been paid, and protest and demand is hereby made upon you to
immediately pay the face amount of the instrument in the
amount of $_.
In the event payment is not made within five [5] days,
the undersigned shall proceed to suit on your warranties of
endorsement.

Very truly,

______________________________

A review of your loan account indicates that you have
had three checks returned unpaid from your bank.

While we regret having to take this action, we must
insist that all future payments on your loan be made
with certified funds. Any payment which is not
certified will not be accepted and will be returned to
you, possibly causing you to incur a late charge.

In making all future payments, please send them to the
attention of [denote] for proper credit.

Your cooperation is appreciated.

Date: _

To: _

The undersigned is the holder of your guaranty wherein
you guaranty the debt owed us by _.
Please be advised that payments on said debt are in
default. Accordingly, demand is made upon you as a guarantor
to fully pay the outstanding debt due us in the amount of $_.

Very truly,

_____________________________

Date: _

To : _ [Supplier]

We hereby request that you specify shipping arrangements
pursuant to our order of _, 19_ and that you furnish us
assurance that you shall comply.
Default in seasonable and sufficient assurance from you
shall constitute a breach of said contract and we shall no
longer be obligated under said contract.

Very truly,

______________________________

Date: _

To: _ [Supplier]

Whereas the undersigned has now made full payment to you
in the sum of $_, for all goods to be shipped pursuant to our
order dated _, 19_; we demand delivery of said goods in
accordance with our contract.

Very truly,

_______________________________

Date: _

To: _ [Debtor]

This is to advise you that you are in default under our
security agreement dated _, 19_, for the following reason[s]:

_

Accordingly, I demand that you surrender possession of
the collateral to me at once as provided in the security
agreement and Uniform Commercial Code.

Very truly,

___________________________
Secured Party

Due to the problems we have been experiencing of late in
obtaining your payment for the goods we have delivered in
accordance with the provisions of our contract of
[date] , we must inform you that we will not be able to
deliver any more goods to you unless you provide us with
adequate assurance for payment on said goods.

We regret having to withhold further deliveries, but, at
this point in time, we have no other viable alternative.

Please let us know promptly what your decision is in regard
to your willingness to provide us with the adequate assurance
we are requesting.