This is to inform you that we have received your email regarding

November 17, 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,

This is to inform you that we have received your email regarding the deduction made to your account when you requested for a transfer of funds. While we understand your concern about the money that you lost, we would like to remind you that under the Terms of Agreement, all transfers are subject to a 5% service charge. For now, we will reverse the deduction, but we will have to impose this on all future transactions. Thank you very much for your understanding.

Sincerely,

Haile

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