If you had asked for this credit recommendation

November 6, 2011

RAPHAEL LAWRENCE

6901 West Main 26 Street

Urbana • Illinois, 61801

Cell: 257-409-8975

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear RAPHAEL LAWRENCE,

If you had asked for this credit recommendation three months ago, I could have given a glowing review of our dealings with Mr. and Mrs. Sanchez.

Unfortunately in recent months, their mortgage has not been paid once. We are actually in the process of foreclosing on their property.

I have enclosed a report generated by our system here. You will notice that everything prior to January was spotless. Personally, we will not be loaning any more money to them in the future.

Sincerely,

Bazyli

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