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Decline of Venture Offer

Dear

Thank you for sending me the information on (name ofventure)

While I found the concept interesting, I am reluctant tobecome involved in any venture that would require my absencefrom the firm for an extended period of time.

I am returning your material under separate cover and wishyou the best of luck in your new venture.

Decline to Interview Referred Job Applicant

Dear

Having been away from the office for a few days, I didn'tread your letter of May 19th until today.

While I am sure the young man you wrote to me aboutwouldn't warrant the recommendation you gave unless he istruly exceptional, I believe it would be unfair to him toset up an interview at this time.

We have just had to lay off twenty four employees and thereis no way that I could justify hiring someone new underthose circumstances. We anticipate that business shouldimprove over the next six months, but for now, the timingis off.

I am sorry to have to disappoint you. You know, under theright circumstances, we are always looking for bright youngpeople with potential.

Thank you for thinking of us.

Deliveries Held Until Past Due Balance Paid

Dear

Due to the problems we have been experiencing of late inobtaining your payment for the goods we have delivered inaccordance with the provisions of our contract of

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(date) , we must inform you that we will not be able todeliver any more goods to you unless you provide us withadequate assurance for payment on said goods.

We regret having to withhold further deliveries, but, atthis point in time, we have no other viable alternative.

Please let us know promptly what your decision is in regardto your willingness to provide us with the adequate assurancewe are requesting.

Demand by Secured Party for Possession of Collateral

DEMAND BY SECURED PARTYFOR POSSESSION OF COLLATERAL

Date: _

To: _ (Debtor)

This is to advise you that you are in default under oursecurity agreement dated _, 20_, for the following reason(s):

_

Accordingly, I demand that you surrender possession ofthe collateral to me at once as provided in the securityagreement and Uniform Commercial Code.

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Very truly,

___________________________Secured Party

Demand for Acknowledgement of Shipping Dates

DEMAND FOR ACKNOWLEDGEMENTOF SHIPPING DATES

Date: _

To : _ (Supplier)

We hereby request that you specify shipping arrangementspursuant to our order of _, 20_ and that you furnish usassurance that you shall comply.Default in seasonable and sufficient assurance from you

shall constitute a breach of said contract and we shall nolonger be obligated under said contract.

Very truly,

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______________________________

Demand for Delivery

DEMAND FOR DELIVERY

Date: _

To: _ (Supplier)

Whereas the undersigned has now made full payment to youin the sum of $_, for all goods to be shipped pursuant to ourorder dated _, 20_; we demand delivery of said goods inaccordance with our contract.

Very truly,

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emand on Guarantor

DEMAND ON GUARANTOR

Date: _

To: _

The undersigned is the holder of your guaranty whereinyou guaranty the debt owed us by _.Please be advised that payments on said debt are indefault. Accordingly, demand is made upon you as a guarantorto fully pay the outstanding debt due us in the amount of $_.

Very truly,

Demand that Future Payments Be by Certified Check

Dear

A review of your loan account indicates that you havehad three checks returned unpaid from your bank.

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While we regret having to take this action, we mustinsist that all future payments on your loan be madewith certified funds. Any payment which is notcertified will not be accepted and will be returned toyou, possibly causing you to incur a late charge.

In making all future payments, please send them to theattention of (denote) for proper credit.

Your cooperation is appreciated.

Demand to Endorsers for Immediate Payment

DEMAND TO ENDORSERS

Date: _

To: _

The undersigned is the holder of the below described(check) (note) to which you are an endorser.

Notice is hereby provided that said instrument has notbeen paid, and protest and demand is hereby made upon you to

immediately pay the face amount of the instrument in theamount of $_.In the event payment is not made within five (5) days,the undersigned shall proceed to suit on your warranties ofendorsement.

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Very truly,

enial of Request for Additional Discount

Dear

This letter is in response to your inquiry regarding ourflexibility in the discount rate we offer for earlysettlement of accounts.

Our established discount is 2% of the total invoiced amountwhen payment is received within 10 days of delivery. Thisfigure is not one that has been arbitrarily chosen, but is

based on cost, overhead and profit. To increase this discountrate for all of our accounts would seriously jeopardize ourfirm and to increase the rate for an individual account wouldbe both unfair and unethical. I believe that you will findthat the 2% discount rate we offer our customers is standardin the industry.

We consider you a most valued customer and hope that you canappreciate our position in this matter. If we are able toaccommodate you in any way that is within our company policy,we will be most happy to do

4hb.com : Letters and Forms -- By Category -- All -- Denial of Request for Extension ofTime

Denial of Request for Extension of Time

Dear

This is to acknowledge receipt of your letter of (date),in which you requested a three month extension on your(type of) loan, number (number)

After careful review, we regret to inform you that we areunable to grant you any further extensions for the paymenton your loan.

We are sorry about the difficulties you are experiencing,but we must insist on receiving your payment by (date)

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We hope that you will be able to find another solution toyour problem.

Denial of Request for Quarterly Billing

Dear

Your letter requesting that we bill you quarterly ratherthan monthly, presents us with somewhat of a problem.

Inasmuch as we would like to welcome you as a new customerof our firm, we would like to accommodate you in any waypossible. Your request, however, would result in yourreceiving preferential treatment for your account and wouldbe unfair to all of our customers who must settle theiraccounts within 30 days. If we were to offer the termsyou have requested to all of our customers, we would soonbe out of business entirely.

I am sure you can understand our position in this matter.We would welcome your account on our regular open accountbasis and hope that we will have the opportunity to provideyou with our fine line of products as well as service.

Disclosure of Investigative Consumer Reports

DISCLOSURE OF INVESTIGATIVE CONSUMER REPORTS

This is to inform you that in processing your creditapplication it may be necessary to interview your neighbors,friends and/or others with whom you have an association oracquaintance. The inquiry conducted would be in respect toyour character, personal characteristics, reputation andmode of living. Under federal law, you have the right tomake a written request within a reasonable period of timeand to receive detailed information about the nature andscope of this form of investigation.

ISCLOSURE

(name of credit reporting agency) is a "consumer reporting

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agency" and, under the Fair Credit Reporting Act, mustreport information in a manner that is fair and equitable toconsumers.

The Fair Credit Reporting Act gives you the right to haveincomplete or incorrect information reinvestigated by(name of credit reporting agency), unless the request is ofa frivolous nature. If the information is found to beinaccurate or cannot be verified, you have the right to havesuch deleted from your file.

If you dispute information (name of credit reporting agency)has in their file, and such dispute cannot be resolved, youhave the right to have your version of said dispute placed inyour file and included in future consumer reports.

You have the right to be notified whenever informationreported by (name of credit reporting agency) results in a

denial of credit or an increase in the cost of credit to you.

You also have the right to disclosure, by telephone or inperson and upon proper identification, of the nature andsubstance and the names of sources of the information in yourfile.

(name of credit reporting agency) will provide you witha copy of all information in your file, by mail, upon yourrequest of same.

Discreet Letter of Resignation

Dear

It is with great sorrow that I am hereby tendering myresignation to you.

Although there is much to say, I believe the reasonsleading to this decision are known by you, and I willtherefore leave them unsaid at this time.

I appreciate having had the opportunity of being amember of (name of firm) for so many yearsand offer my best wishes for your continued success.

Disputed Balance Notice

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DISPUTED BALANCE NOTICE

Date: _

To: _

We are in receipt of your statement dated _, 20_,indicating an account balance of $_.We dispute said balance for the reason(s) checked.

____ Goods billed for have not been received.____ Prices are in excess of agreed amount.____ Prior payment made in the amount of $_ on _, 20_.____ Goods were unordered.____ Goods were defective as per prior notice.____ Goods are available for return as per our right ofreturn and credit.

____ Other (Describe) _

Please adjust our account.

Very truly,

Employee Invention Agreement

EMPLOYEE INVENTION AGREEMENT

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FOR GOOD CONSIDERATION, and in consideration of theundersigned being employed by_ (Company); the undersignedhereby agrees, acknowledges and represents:1. The undersigned, during the course of employment, shallpromptly disclose in writing to the company all

inventions, discoveries, improvements, developmentsand innovations whether patentable or not, conceivedin whole or in part by the undersigned or throughassistance of the undersigned, and whether conceivedor developed during working hours or not, which:a) Result from any work performed on behalf ofCompany, or pursuant to a suggested researchproject by the Company, orb) Relate in any manner to the existing or contemplatedbusiness of the Company, orc) Result from the use of the Company's time, material,employees or facilities.2. The undersigned hereby assigns to the Company, itssuccessors and assigns, all right, title and interestto said inventions.3. The undersigned shall, at the Company's request,execute specific assignments to any such invention andexecute, acknowledge, and deliver any additionaldocuments required to obtain letters patent in anyjurisdiction and shall, at the Company's request andexpense, assist in the defense and prosecution of saidletters patent as may be required by Company. Thisprovision shall survive termination of employ with theCompany.

Signed under seal this _ day of _, 20_.

________________________________Employee

mployee Non-Compete Agreement

EMPLOYEE NON-COMPETE AGREEMENT

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FOR GOOD CONSIDERATION, and in consideration of my beingemployed by _ (Company), I, the undersigned, hereby agree thatupon my termination of employment and notwithstanding the causeof termination, I shall not compete with the business of the

Company, or its successors or assigns.The term "not compete" as used in this agreement meansthat I shall not directly or indirectly own, be employed by orwork on behalf of any firm engaged in a business substantiallysimilar and competitive with the Company.This non-compete agreement shall remain in full force andeffect for _ years commencing with the date of employmenttermination.Signed under seal this_ day of _, 20_.

_______________________________Employee

mployee Photo and Recording Release

RELEASE

In consideration of my employment with the (name of firm) ,("Company") and as part of the services being furnished byme to said Company, I hereby give my consent to thephotographing of myself and to the recording of my voice.The Company is hereby authorized to use or cause to be usedsaid still photographs or motion picture footage, recordingsof my voice and my name for advertising, publicity,commercial or other business purposes. Said photographsand/or recordings may be used singularly or in conjunctionwith other photographs and/or recordings.

The Company has my authorization to reproduce, or cause tobe reproduced and used such photographs and voicerecordings. The same may be exhibited in all domestic and

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foreign markets. I understand that others may use and/orreproduce said photographs and/or recordings with or withoutthe Company's consent.

I hereby release the Company, any of its associated oraffiliated companies, their directors, officers, agents,

employees, customers and the Company's appointed advertisingagencies, officers, directors, agents and employees, from allclaims of any kind on account of such use.

Witness:______________________ ___________________Date ___________________

mployee Suggestion for Company Meeting

TO:FROM:SUBJECT:

Dear

There is such a high degree of anxiety about the proposedmerger with (name of firm) that I can see theeffects in my department daily. I do not feel that thenewsletter put out last week helped assuage the fears ofthe other employees.

I believe that it might be beneficial to meet the issuehead-on by holding a meeting wherein questions can be putforth and answers can be provided.

There is a schism between employees and management thatappears to be growing and presents a potential problem.If, for example, this merger fails to materialize, theemployees may maintain their current feelings ofalienation to the detriment of the organization.

I know that there are many inherent problems in hashingthis subject out in an open forum and these must beweighed against the present alternative. I do feel,however, that the suggestion is worth some consideration.

mployer's Verification on Loan Applicant

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TO: Applicant_____________________Address_______________________City__________________________Loan No.______________________Escrow No.____________________

Gentlemen:

I have applied for a real estate loan to be made by( Name of Company ) Savings and Loan Association.

I shall appreciate your completing the Employer'sVerification below for their confidential use andforwarding it to:

( Name of Company ) Savings and Loan Association1304 74th Circle N.E.St. Petersburg, Florida 33702

Thank you for your consideration and prompt reply, asit will avoid many delays.

Very truly yours,

__________________________Applicant

EMPLOYER'S VERIFICATION

1. Entered your employ:_________________________________2. Present Position:____________________________________3. Present Monthly Salary: Gross Monthly Salary:_____Overtime:_________________

Bonus or Commission:______How paid:_________________4. If Applicant is in Military Service please reportincome on a monthly basis as follows:Base Pay_________ Quarters and Subsistence___Flight or Hazard Allowance____________5. Probability of Continued Employment__________________6. Does Employee have Re-employment rights for:Sick Leave?______ Maternity Leave?_________7. Other Remarks:_______________________________________The above is furnished in strictest confident to yourrequest.

Date________________ Employer_______________

mployment Agreement

EMPLOYMENT AGREEMENT

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EMPLOYEEMENT AGREEMENT by and between _ (Company), and _(Employee).For good consideration, Company shall employ and theEmployee agrees to be employed on the following terms:

1. EFFECTIVE DATE:Employment shall commence on _, 20_, time beingof the essence.

2. DUTIES:Employee agrees to perform the following duties:(Describe general duties, or attach job description)_

Employee shall also perform such further duties as areincidental or implied from the foregoing, consistent with thebackground, training and qualifications of Employee or may bereasonably delegated as being in the best interests of theCompany. The Employee shall devote full time to his employmentand expend best efforts on behalf of Company. Employee furtheragrees to abide by all reasonable Company policies anddecisions now or hereinafter existing.

3. TERM:The Employee's employment shall continue for a periodof (_) years, beginning on the effective date of thisagreement and ending on _, 20_.

4. COMPENSATION:The Employee shall be paid the following compensation:a) Annual Salary: $_, paid on the payroll scheduleexisting for other employees.b) Such bonuses, vacations, sick leave, retirementbenefits and expense accounts as stated in theCompany manual for other management personnel or asmay be decided by the Company if said items arediscretionary with the Company.

5. TERMINATION:This agreement may be earlier terminated upon:a) Death of Employee or illness or incapacity thatprevents Employee from substantially performing for(_) continuous months or in excess of (_) aggregateworking days in any calendar year.b) Breach of agreement by Employee.

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6. MISCELLANEOUS:a) Employee agrees to execute a non-compete agreementas annexed hereto.b) Employee agrees to execute a confidential

information and invention assignment agreement asannexed hereto.c) This agreement shall not be assignable by eitherparty, provided that upon any sale of the businessby Company, the Company may assign this agreement toits successor or employee may terminate same.d) In the event of any dispute under this agreement, itshall be resolved through binding arbitration inaccordance with the rules of the AmericanArbitration Association.e) This constitutes the entire agreement between theparties.Any modification must be in writing.

7. ADDITIONAL TERMS:_

Signed under seal this _ day of _, 20_.

______________________________Company

_____________________________Employee