Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 26 5NOV20 1:01AM

NOVEMBER 5,  2020 LOUIS E. GUENIOT TEAM MANAGER GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 26   WOULD YOU LIKE ME TO SEEK  THE HELP MR. EDDIE ATCHLEY?  Dear Mr. GUENIOT: MAY I MOST RESPECTFULLY REFER YOU AGAIN TO THE EMAIL I PREPARED FOR MS TIFFANI WYATT WHICH I WOULD WANT TO SHOW TO MR. EDDIE ATCHLEY TO ASK HIS ASSISTANCE  TO RESOLVE THIS INSURANCE CLAIM ISSUES AS SOON AS POSSIBLE. I WOULD INFORM HIM THAT YOU REFUSED TO GIVE ME AN EMAIL ADDRESS OF MS. TIFFANI WYATT AND/OR ANYONE FROM STATE FARM SO THAT I MAY REPORT WHAT YOU ARE DOING WITH OUR CLAIM. I HAVE THE COPY OF THE EMAIL I WILL BE SUPPOSEDLY SENDING HER AND I AM GOING TO SHOW TO MR. ATCHLEY  AND AGAIN  TO YOU FOR YOUR PERUSAL.  COPY OF THE EMAIL FOR MS TIFFANI WYATT Tiffani Wyatt Claim Specialist (844) 458-4300 Ext. 9726572579 Fax: (844) 236-3646 State Farm General Insurance Company RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 REQUEST FOR ASSISTANCE Dear Ms Tiffani Wyatt, May I most humbly and respectfully request for assistance  from you to see what you can do to help me with the ordeals I am going through in trying  GOOD FAITH negotiating with Mr. Gueniot. His email address is  louis.e.gueniot.bomz@statefarm.com     and despite of sending ten (10) emails to him asking him whether  do we need to elevate this matter to the Department of Insurance and/or seek legal help to defend our right to our legitimate insurance claim he had not been responsibly responsive. Next is the excerpt from the emails I am referring to: Section 2695.1 Preamble (a) Section 790.03(h) of the California Insurance Code enumerates sixteen claims settlement practices that, when either knowingly committed on a single occasion, or performed with such frequency as to indicate a general business practice, are considered to be unfair claims settlement practices and are, thus, prohibited by this section of the California Insurance Code. The Insurance Commissioner has promulgated these regulations in order to accomplish the following objectives: (1) To delineate certain minimum standards for the settlement of claims which, when violated knowingly on a single occasion or performed with such frequency as to indicate a general business practice shall constitute an unfair claims settlement practice within the meaning of Insurance Code Section 790.03(h); SECTION 790.03(h) Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices: SPECIFICALLY, (2) (3) (4) (5) (13) (2) Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies. (3) Failing to adopt and implement reasonable standards for the prompt investigation and processing of claims arising under insurance policies. (4) Failing to affirm or deny coverage of claims within a reasonable time after proof of loss requirements have been completed and submitted by the insured. (5) Not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. (13) Failing to provide promptly a reasonable explanation of the basis relied on in the insurance policy, in relation to the facts or applicable law, for the denial of a claim or for the offer of a compromise settlement. MAY I HUMBLY AND MOST RESPECTFULLY PRESENT TO YOU AGAIN IN MULTIPLE TIMES THE PIPE BREAK WHICH WE DISCOVERED AND DOCUMENTED AS EARLY AS JUNE 2020 AND COLLABORATED TWICE BY FIRST AMERICAN, FIRST ON MAY 6, 2020 AND SECOND EIGHT DAYS AGO, OCTOBER 24, 2020,  IS ON THE PIPE ENCASED IN THE CONCRETE SLAB AND NOT A PIPE BREAK UNDER THE FOUNDATION AND THEREFORE CLEARLY COVERED BY OUR POLICY: CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Saturday, Oct 24, 2020 @ 10:24AM Good Morning, Thank you for reaching out to us in regards to this claim. I apologize for the delay in responding to your message. I have reviewed your claim on your pipe encased in concrete and show that the cash option check was mailed on 6/4/2020 and if the contractor did any damage to your property I would contact them directly to discuss the matter. If you need further assistance, please feel free to reply to this message. Thank you for choosing First American Home Warranty and enjoy the rest of your day. CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Wednesday, May 6, 2020 @ 4:11PM Ms. Brual, All Express Plumbing has been authorized to complete the following repairs. Failure: Leaking water underneath dining room hallway. Correction: Access pipe encased in concrete slab and repair pipe. Have they contacted you to schedule an appointment to complete repairs, or has it already been completed? Please reach out to First American if you need any additional assistance. Thank you. SCREENSHOT FROM VIDEO 2 TAKEN AFTER TITOUAH LEFT SHOWING THE PIPE BREAK WHICH HE CONCEALED FROM US. SCREENSHOT FROM VIDEO 6 TAKEN MAY 20, 2020 THE PIPE BREAK HAD DETERIORATED AFTER TWO WEEKS WHICH TITOUAH CONCEALED FROM US.  Please, kindly do whatever is necessary to resolve these insurance claim amicably. Yours faithfully, Antonio L. Buensuceso Jr. END OF EMAIL FOR MS TIFFANI WYATT QUERY 26 WOULD YOU LIKE ME TO SEEK  THE HELP MR. EDDIE ATCHLEY?      Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email AND kindly put back the following reminder to your response which had been missing for quite some time. PLEASE RESTRICT ISSUES AND ANSWERS WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso

Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 25 DATED 4NOV20 5:35AM

NOVEMBER 4,  2020 LOUIS E. GUENIOT TEAM MANAGER GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 25   ARE YOU AFRAID STATE FARM TOP MANAGEMENT DISCOVER THE ALLEGED CRIME INVOLVING THE  BUSINESS PARTNERSHIP BETWEEN TITOUAH LIU AND YOU THROUGH MS TIFFANI WYATT?  Dear Mr. GUENIOT: MAY I MOST RESPECTFULLY REFER YOU AGAIN TO THE EMAIL I PREPARED FOR MS TIFFANI WYATT. I WOULD WANT TO SEEK HER ASSISTANCE TO RESOLVE THIS INSURANCE CLAIM ISSUES AS SOON AS POSSIBLE. PLEASE PROVIDE ME WITH HER EMAIL ADDRESS SO THAT I MAY BE ABLE TO ASK HER HELP RESOLVING ISSUES I AM TRYING  NEGOTIATING IN GOOD FAITH WITH YOU. I HAVE THE COPY OF THE EMAIL I WILL BE SENDING HER AND I AM SHOWING IT TO YOU FOR YOUR PERUSAL.  COPY OF THE EMAIL FOR MS TIFFANI WYATT Tiffani Wyatt Claim Specialist (844) 458-4300 Ext. 9726572579 Fax: (844) 236-3646 State Farm General Insurance Company RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 REQUEST FOR ASSISTANCE Dear Ms Tiffani Wyatt, May I most humbly and respectfully request for assistance  from you to see what you can do to help me with the ordeals I am going through in trying  GOOD FAITH negotiating with Mr. Gueniot. His email address is  louis.e.gueniot.bomz@statefarm.com     and despite of sending ten (10) emails to him asking him whether  do we need to elevate this matter to the Department of Insurance and/or seek legal help to defend our right to our legitimate insurance claim he had not been responsibly responsive. Next is the excerpt from the emails I am referring to: Section 2695.1 Preamble (a) Section 790.03(h) of the California Insurance Code enumerates sixteen claims settlement practices that, when either knowingly committed on a single occasion, or performed with such frequency as to indicate a general business practice, are considered to be unfair claims settlement practices and are, thus, prohibited by this section of the California Insurance Code. The Insurance Commissioner has promulgated these regulations in order to accomplish the following objectives: (1) To delineate certain minimum standards for the settlement of claims which, when violated knowingly on a single occasion or performed with such frequency as to indicate a general business practice shall constitute an unfair claims settlement practice within the meaning of Insurance Code Section 790.03(h); SECTION 790.03(h) Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices: SPECIFICALLY, (2) (3) (4) (5) (13) (2) Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies. (3) Failing to adopt and implement reasonable standards for the prompt investigation and processing of claims arising under insurance policies. (4) Failing to affirm or deny coverage of claims within a reasonable time after proof of loss requirements have been completed and submitted by the insured. (5) Not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. (13) Failing to provide promptly a reasonable explanation of the basis relied on in the insurance policy, in relation to the facts or applicable law, for the denial of a claim or for the offer of a compromise settlement. MAY I HUMBLY AND MOST RESPECTFULLY PRESENT TO YOU AGAIN IN MULTIPLE TIMES THE PIPE BREAK WHICH WE DISCOVERED AND DOCUMENTED AS EARLY AS JUNE 2020 AND COLLABORATED TWICE BY FIRST AMERICAN, FIRST ON MAY 6, 2020 AND SECOND EIGHT DAYS AGO, OCTOBER 24, 2020,  IS ON THE PIPE ENCASED IN THE CONCRETE SLAB AND NOT A PIPE BREAK UNDER THE FOUNDATION AND THEREFORE CLEARLY COVERED BY OUR POLICY: CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Saturday, Oct 24, 2020 @ 10:24AM Good Morning, Thank you for reaching out to us in regards to this claim. I apologize for the delay in responding to your message. I have reviewed your claim on your pipe encased in concrete and show that the cash option check was mailed on 6/4/2020 and if the contractor did any damage to your property I would contact them directly to discuss the matter. If you need further assistance, please feel free to reply to this message. Thank you for choosing First American Home Warranty and enjoy the rest of your day. CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Wednesday, May 6, 2020 @ 4:11PM Ms. Brual, All Express Plumbing has been authorized to complete the following repairs. Failure: Leaking water underneath dining room hallway. Correction: Access pipe encased in concrete slab and repair pipe. Have they contacted you to schedule an appointment to complete repairs, or has it already been completed? Please reach out to First American if you need any additional assistance. Thank you. SCREENSHOT FROM VIDEO 2 TAKEN AFTER TITOUAH LEFT SHOWING THE PIPE BREAK WHICH HE CONCEALED FROM US. SCREENSHOT FROM VIDEO 6 TAKEN MAY 20, 2020 THE PIPE BREAK HAD DETERIORATED AFTER TWO WEEKS WHICH TITOUAH CONCEALED FROM US.  Please, kindly do whatever is necessary to resolve these insurance claim amicably. Yours faithfully, Antonio L. Buensuceso Jr. END OF EMAIL FOR MS TIFFANI WYATT QUERY 25 ARE YOU AFRAID STATE FARM TOP MANAGEMENT DISCOVER THE ALLEGED CRIME INVOLVING THE  BUSINESS PARTNERSHIP BETWEEN TITOUAH LIU AND YOU THROUGH MS TIFFANI WYATT?    Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email AND kindly put back the following reminder to your response which had been missing for quite some time. 1. THIS REMAINED NOT COMPLIED WITH YET. The one year “Suit Against Us” time period referred to in the May 6, 2020 letter includes the time period from the date of loss (April 26, 2020) to the date the claim was reported to State Farm (April 29, 2020).  The one year time period was tolled during our investigation of this claim (April 29, 2020) to the date the claim was initially denied (May 6, 2020).  The one year time period was tolled upon receipt of Antonio Buensuceso Jr.’s email dated May 29, 2020 for additional investigation until the date the denial of the claim was confirm in our June 12, 2020 letter.  That one year time period continues to run as of the date of our June 12, 2020 letter.   PLEASE RESTRICT ISSUES AND ANSWERS WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso

STATE FARM INAPPROPRIATE RESPONSE 52 DATED 3NOV20 6:42AM

INAPPROPRIATE RESPONSE 52 RESPONSE TO EMAIL: Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 24 DATED 3NOV20 2:58AM WILL YOU PLEASE KINDLY PROVIDE ME WITH AN  EMAIL ADDRESS OF MS TIFFANI WYATT?  DENIALS AND ASSERTIONS NEEDED TO BE  SUBSTANTIATED, OTHERWISE, CRIMINALS MERE  SAYING EMPTY WORDS OF DENIAL AND STATEMENTS  WOULD NEVER BE CONVICTED. NOTE : INAPPROPRIATE RE, MR. GUENIOT  AS USUAL, A LAZY RESPONSE RESPONDING ONCE TO MULTIPLE EMAILS WITH DIFFERENT SUBJECT MATTERS AND DISCUSSING ISSUES OUT OF THE SUBJECT BEING RESPONDED TO, A DELIBERATE AND WILLFUL AND WANTON AND INTENTIONAL VIOLATION OF SECTION 2695.5(b). Section 2695.5. Duties upon Receipt of Communications (b) Upon receiving any communication from a claimant, regarding a claim, that reasonably suggests that a response is expected, every licensee shall immediately, but in no event more than fifteen (15) calendar days after receipt of that communication, furnish the claimant with a complete response based on the facts as then known by the licensee. This subsection shall not apply to require communication with a claimant subsequent to receipt by the licensee of a notice of legal action by that claimant. CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso,   I’m writing to acknowledge receipt of the email below along with another email from you since my last response to you on November 2, 2020.   We will not provide you with any other State Farm personnel’s email address.  All communication related to this claim will be directed to my attention for review.   Please refer to our previous correspondence and email communications.  This claim file remains closed.  All conditions previously quoted still apply.   Your emails contain allegations of misconduct. All such contentions are denied. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all rights under the policy and the law.    We have previously communicated to you that we are required by California Insurance Regulations, Section 2695.7(b)(3), to advise you that if you believe this claim, or any part of this claim, has been wrongfully denied or rejected, you may have the matter reviewed by the California Department of Insurance, Claims Service Bureau, 300 South Spring Street, Los Angeles, California 90013, telephone 800 927 4357.   Sincerely,   Louis     Louis E Gueniot III Claim Team Manager State Farm General Insurance Company NOTE 1: STILL NOT MENTION IN THESE INAPPROPRIATE RESPONSE 51 AND 52 SUIT AGAINST US.  The one year “Suit Against Us” time period referred to in the May 6, 2020 letter includes the time period from the date of loss (April 26, 2020) to the date the claim was reported to State Farm (April 29, 2020).  The one year time period was tolled during our investigation of this claim (April 29, 2020) to the date the claim was initially denied (May 6, 2020).  The one year time period was tolled upon receipt of Antonio Buensuceso Jr.’s email dated May 29, 2020 for additional investigation until the date the denial of the claim was confirm in our June 12, 2020 letter.  That one year time period continues to run as of the date of our June 12, 2020 letter.   NOTE 2 :  ARBITRARY COMMENTS MEANT TO DERAIL THE NEGOTIATION PROCESS                  BUT WE ARE NOT STOPPING GOOD FAITH NEGOTIATIONS DESPITE MR. GUENIOT'S                     DISPLAY OF CONTINUING BAD FAITH MANIFESTATIONS. "We will not provide you with any other State Farm personnel’s email address.  All communication related to this claim will be directed to my attention for review. "

Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 24 DATED 3NOV20 2:58AM

NOVEMBER 3,  2020 LOUIS E. GUENIOT TEAM MANAGER GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 24   WILL YOU PLEASE KINDLY PROVIDE ME WITH AN  EMAIL ADDRESS OF MS TIFFANI WYATT?  Dear Mr. GUENIOT: MAY I MOST RESPECTFULLY REFER YOU TO THE EMAIL I PREPARED FOR MS TIFFANI WYATT. I WOULD WANT TO SEEK HER ASSISTANCE TO RESOLVE THIS INSURANCE CLAIM ISSUES AS SOON AS POSSIBLE. PLEASE PROVIDE ME WITH HER EMAIL ADDRESS SO THAT I MAY BE ABLE TO ASK HER HELP RESOLVING ISSUES I AM TRYING  NEGOTIATING IN GOOD FAITH WITH YOU. I HAVE THE COPY OF THE EMAIL I WILL BE SENDING HER AND I AM SHOWING IT TO YOU FOR YOUR PERUSAL.  COPY OF THE EMAIL FOR MS TIFFANI WYATT Tiffani Wyatt Claim Specialist (844) 458-4300 Ext. 9726572579 Fax: (844) 236-3646 State Farm General Insurance Company RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 REQUEST FOR ASSISTANCE Dear Ms Tiffani Wyatt, May I most humbly and respectfully request for assistance  from you to see what you can do to help me with the ordeals I am going through in trying  GOOD FAITH negotiating with Mr. Gueniot. His email address is  louis.e.gueniot.bomz@statefarm.com     and despite of sending ten (10) emails to him asking him whether  do we need to elevate this matter to the Department of Insurance and/or seek legal help to defend our right to our legitimate insurance claim he had not been responsibly responsive. Next is the excerpt from the emails I am referring to: Section 2695.1 Preamble (a) Section 790.03(h) of the California Insurance Code enumerates sixteen claims settlement practices that, when either knowingly committed on a single occasion, or performed with such frequency as to indicate a general business practice, are considered to be unfair claims settlement practices and are, thus, prohibited by this section of the California Insurance Code. The Insurance Commissioner has promulgated these regulations in order to accomplish the following objectives: (1) To delineate certain minimum standards for the settlement of claims which, when violated knowingly on a single occasion or performed with such frequency as to indicate a general business practice shall constitute an unfair claims settlement practice within the meaning of Insurance Code Section 790.03(h); SECTION 790.03(h) Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices: SPECIFICALLY, (2) (3) (4) (5) (13) (2) Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies. (3) Failing to adopt and implement reasonable standards for the prompt investigation and processing of claims arising under insurance policies. (4) Failing to affirm or deny coverage of claims within a reasonable time after proof of loss requirements have been completed and submitted by the insured. (5) Not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. (13) Failing to provide promptly a reasonable explanation of the basis relied on in the insurance policy, in relation to the facts or applicable law, for the denial of a claim or for the offer of a compromise settlement. MAY I HUMBLY AND MOST RESPECTFULLY PRESENT TO YOU AGAIN IN MULTIPLE TIMES THE PIPE BREAK WHICH WE DISCOVERED AND DOCUMENTED AS EARLY AS JUNE 2020 AND COLLABORATED TWICE BY FIRST AMERICAN, FIRST ON MAY 6, 2020 AND SECOND EIGHT DAYS AGO, OCTOBER 24, 2020,  IS ON THE PIPE ENCASED IN THE CONCRETE SLAB AND NOT A PIPE BREAK UNDER THE FOUNDATION AND THEREFORE CLEARLY COVERED BY OUR POLICY: CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Saturday, Oct 24, 2020 @ 10:24AM Good Morning, Thank you for reaching out to us in regards to this claim. I apologize for the delay in responding to your message. I have reviewed your claim on your pipe encased in concrete and show that the cash option check was mailed on 6/4/2020 and if the contractor did any damage to your property I would contact them directly to discuss the matter. If you need further assistance, please feel free to reply to this message. Thank you for choosing First American Home Warranty and enjoy the rest of your day. CLEARER READING BELOW OF THE SCREENSHOT MESSAGE ABOVE: Wednesday, May 6, 2020 @ 4:11PM Ms. Brual, All Express Plumbing has been authorized to complete the following repairs. Failure: Leaking water underneath dining room hallway. Correction: Access pipe encased in concrete slab and repair pipe. Have they contacted you to schedule an appointment to complete repairs, or has it already been completed? Please reach out to First American if you need any additional assistance. Thank you. SCREENSHOT FROM VIDEO 2 TAKEN AFTER TITOUAH LEFT SHOWING THE PIPE BREAK WHICH HE CONCEALED FROM US. SCREENSHOT FROM VIDEO 6 TAKEN MAY 20, 2020 THE PIPE BREAK HAD DETERIORATED AFTER TWO WEEKS WHICH TITOUAH CONCEALED FROM US.  Please, kindly do whatever is necessary to resolve these insurance claim amicably. Yours faithfully, Antonio L. Buensuceso Jr. END OF EMAIL FOR MS TIFFANI WYATT QUERY 24   WILL YOU PLEASE KINDLY PROVIDE ME WITH AN  EMAIL ADDRESS OF MS TIFFANI WYATT?  Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email AND kindly put back the following reminder to your response which had been missing for quite some time. 1. THIS REMAINED NOT COMPLIED WITH YET. The one year “Suit Against Us” time period referred to in the May 6, 2020 letter includes the time period from the date of loss (April 26, 2020) to the date the claim was reported to State Farm (April 29, 2020).  The one year time period was tolled during our investigation of this claim (April 29, 2020) to the date the claim was initially denied (May 6, 2020).  The one year time period was tolled upon receipt of Antonio Buensuceso Jr.’s email dated May 29, 2020 for additional investigation until the date the denial of the claim was confirm in our June 12, 2020 letter.  That one year time period continues to run as of the date of our June 12, 2020 letter.   2. THIS HAD BEEN COMPLIED WITH IN INAPPROPRIATE RESPONSE 51. "We are required by California Insurance Regulations, Section 2695.7(b)(3), to advise you that if you believe this claim, or any part of this claim, has been wrongfully denied or rejected, you may have the matter reviewed by the California Department of Insurance, Claim Service Bureau, 300 South Spring Street, Los Angeles, California 90013, telephone 800 927 4357." PLEASE RESTRICT ISSUES AND ANSWERS WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso