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␈↓ ↓H␈↓∧␈↓ ¬X846 Lathrop Drive
␈↓ ↓H␈↓∧␈↓ ¬'Stanford, California 94305
␈↓ ↓H␈↓∧Telephone 415 321-7580␈↓ 
≤May 25, 1979




␈↓ ↓H␈↓First National Bank of San Jose
␈↓ ↓H␈↓P.O. Box 1000
␈↓ ↓H␈↓San Jose, CA 95108

␈↓ ↓H␈↓attn: Allen Bloom

␈↓ ↓H␈↓Dear Mr. Bloom:

␈↓ ↓H␈↓        You␈αwill␈αperhaps␈αremember␈αdunning␈αme␈αfor␈αtwo␈αoverdue␈αinstallments␈αon␈αmy␈αlate␈αwife's␈αcar
␈↓ ↓H␈↓loan␈α
(loan␈α
number␈α324124098␈α
to␈α
Vera␈α
Watson).␈α I␈α
paid␈α
those␈α
but␈αmislaid␈α
my␈α
notes␈α
wherein␈αyou
␈↓ ↓H␈↓said␈αwhat␈αthe␈αbalance␈αis.␈α Evidently␈αthe␈αFirst␈αNational␈αBank␈αof␈αSan␈αJose␈αhas␈αforgotten␈αabout␈αthe
␈↓ ↓H␈↓loan,␈α
because␈αno␈α
further␈αrequest␈α
for␈αpayment␈α
has␈αappeared␈α
addressed␈αeither␈α
to␈αme␈α
or␈αto␈α
my␈αlate
␈↓ ↓H␈↓wife.

␈↓ ↓H␈↓        When␈αI␈αreceive␈αstatement␈αof␈αthe␈αtotal␈αamount␈αdue␈αI␈αwill␈αpay␈αit,␈αthough␈αnot␈αfurther␈αinterest,
␈↓ ↓H␈↓since you have been negligent.


␈↓ ↓H␈↓Sincerely,



␈↓ ↓H␈↓John McCarthy