To,

Mr. William Hudson,

Sun Rise Apartment, 3^rd street,

Baker’s Park,

London, United Kingdom

March 4^th, 2012

Sub: Credit Decline

Dear Mr. Hudson,

On the behalf of Golden Credit Agency Pvt. Ltd, I would like to thank you for showing your interest in our credit firm. We have received a complied report on your current mortgage statement including your bank details which has influenced our decision in whole on your credit application.

Our credit department has carefully reviewed your professional income sources and has found that the total amount of your income is less than $ 25, 000, which is an insufficient amount to apply for credit. Thus, we decline your request of credit amount approval.

If you have any query, you can reach us at: [email protected] or you can contact us on: 3547 567 4657 during the operational hours.

Once again, we thank you for consideration!

Sincerely,

Larry Smith

Credit Manager

Golden Credit Agency Pvt. Ltd

Near Cathedral Park, The Mall

Westminster, United Kingdom