Per our earlier conversation, I have credited the payment

November 16, 2011

Arnold Den

64, East 6 Street,

Lewistown, Montana, 03278,

(194)-465 0217

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

Dear Arnold Den,

Per our earlier conversation, I have credited the payment you made via phone to your account. There is still a matter of the 10% late fee. Below you will find a bill for this amount.

It has been a long-standing policy with this bank to charge a fee for anything paid more than 7 days late.

Keep in mind that if the late fee is also not paid by your original billing date of June 15th, we will be forced to take further action.

Please understand we want to continue doing business with you. We know delinquencies are sometimes unavoidable and we know you will clear the matter up immediately.

Sincerely,

Ganesh

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