14 Long Beach Street, Merville Park, Paranaque City 20 October 2012

Mr. Len Derer Philippine Bank Corporation 123 Clueless Street, Makati City

Dear Mr. Derer: Re: Loan Request for Php 1,000,000.00

I am requesting a small business loan of Php 1,000,000.00. I have experience in the industry including attending business seminars and graduated a degree of Bachelor of Science major in Business Marketing and Customs. My target market is the college students looking for a place to study during exams, the persons searching for a place to relax. The competition includes Starbucks, Seattles Best and Bos Coffee. I am planning to open my store near a school and have cozy seats and tables where one can study on their own. I am investing Php 200,000.00 of my own money. My collateral consists of business assets having a fair market value of Php 500,000.00 and personal assets (if applicable) with a value of Php 500,000.00. Attached is my business plan which backs up the loan request. If you have any questions, please contact me at +63 927 466 5458 or email me at arqmoralesspc@gmail.com. Sincerely,

Alexandra Regina Morales