Re Notice of Default and Demand for Payment;

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, 20___ CERTIFIED MAIL RETURN RECEIPT REQUESTED RECEIPT NO. Re: Notice of Default and Demand for Payment; ; Our File No. Gentlemen: We represent Federal Savings and Loan Association (the "Lender") with respect to the extension of credit (the "Loan") evidenced by a Promissory Note in the original principal amount of $ , dated , 20 , executed by in favor of . Payment of the Loan is secured by a Mortgage, Security Agreement and Financing Statement, a Guaranty Agreement executed by This letter will confirm the prior oral advice by the Lender that defaults have occurred under the terms of the Loan Documents, including, without implied limitation, the failure to pay the Loan at its maturity on ___________, 20___. The amount owing as of ____________, 20__ is as follows: Principal Balance Unpaid Interest Late Charges Total $ $ an Addendum "A" Page 1 of 2 Pages

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