Operation Management

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AGUILA RECOVERY MANAGEMENT INC.
#5 East Capitol Drive Cor. Sta Rosa St.
The Praxedes Place Bldg. Brgy Kapitolyo Pasig City
Trunk line Number (02) 634-6758 / 636-3238
EMAIL : rojh.aguila@armcollections.com

January 7, 2013 MPA 0004 - 12

Ms. Virginia F. Ladao
107 A 7th Ave. East Rembo
Makati City

Re: Metrobank Visa Card: 4055987627435005

Dear Ms. Virginia,

This is to inform you that your request for payment arrangement for your outstanding balance, including unbilled transactions and installments, of Php 34,966.15 as of January 2013 has been approved under the following terms and conditions:

|Compromised amount |Php 20,400.00 | |Interest rate per month |1% | |Duration |12 months | |Monthly amortization |Php 1,700.00 | |and payment schedule |January 16, 2013 to December 28, 2013 | | |Due ever 28th of the month | |First payment due date |January 15, 2013 |

Please be informed that your availment of the payment arrangement automatically cancels all the privileges that come with the issuance of your credit card as well as your other cards issued by Metrobank Card Corporation (A Finance Company) [MCC], if any.

Submission of this letter with your signature and posting of your first payment not later than the aforementioned due date will be considered as your conformity to the terms and conditions of this arrangement,...
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