We recently received your application for credit

November 9, 2011

David Harris

609 West Main Street

Albuquerque

New Mexico, 87109

Cell: 237-409-0198

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

Dear David Harris,

We recently received your application for credit. We have carefully reviewed your application but are unable to facilitate your request. We would be happy to reassess your application if you were able to find a co-signatory for your loan.

Thank you for considering All Star finance for your financial needs.

Sincerely,

Joakim

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