[DATE, ex. Wednesday, July 11, 2006]

[NAME, BANK AND ADDRESS, ex.
Robert Brown
XYZ Bank
1234 First Street
Suite 567
Anycity, Anystate  85245]

Dear [NAME, ex. Robert Brown],

We refer to our term loan in the amount of approximately [AMOUNT OF LOAN, ex. $77,000] bearing account no. [ACCOUNT NO. OF LOAN, ex. 12345678].

We are experiencing immediate cash flow problems stemming from [EXPLAIN REASONS FOR CASH FLOW PROBLEMS, ex. the bankruptcy of a key customer], which we feel will temporarily set us back for [PERIOD OF REQUESTED DEFERRAL, ex. two (2) months].

We would respectfully request that you defer interest charges on our loan for this period, so that we can maintain sufficient working capital to meet our operational requirements.

Thank you in advance for your anticipated co-operation. Please feel free to call me if you have any questions.

Sincerely,

[YOUR NAME]

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