(1) [Date]

Certified Mail

Return Receipt No.

(2)

(3) [Addressee]

RE: Default of Note and Security Deed to Property

Located at (4)

Dear (5)

As a result of your breach of the above-referenced Note and Security Deed, this law firm has been employed to take action against you and the property, if necessary.

Said Security Deed provides that the lender must give certain notice to borrower prior to acceleration and that the lender shall be entitled to collect all reasonable costs incurred in pursuing the remedies provided.

Pursuant to the terms of said Security Deed, this is notice to you of the following:

1. Said Note and Security Deed were breached as a result of your failure to [grounds for default];

2. To cure this breach, you must [actions required to cure default] and pay to this firm attorney's fees in the amount of [$ (6) ].

Total past due installments, including the (7) ,

20- payment $ (8)

Late Charges $ (9)

Attorney's Fees $ (10)

TOTAL DUE $ (11)

3. You have thirty (30) days, from the date this notice is mailed to you, to cure such breach;

4. Your failure to cure such breach on or before the above required time may result in acceleration of the total sums secured by said Security Deed and foreclosure and sale of your property, as well as other remedies available to lender;

5. This letter shall also serve as notice to you of the right to re-instate your loan after acceleration as provided for in the Security Deed and the right to bring a court action to assert the non-existence of a default or any other legal defense to acceleration and sale.

BE GOVERNED ACCORDINGLY.

Yours very truly,

(12)

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