SOP Exhibits

Title:

PNB Returned Application Form

SOP Number : HR-PB22

EXHIBIT

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Date

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Dear M ________________________________:

This is to inform you that your all-purpose salary loan application has not been acted on for any of the following reasons:

• co-maker is not eligible
• outstanding past due
• insufficient net take home pay
• others

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We are therefore returning your application from unacted.



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AUTHORIZED SIGNATORY