Comments are disabled. Quasi-security obligations: international practice, regulation and development prospects in Russia Bank comfort letter sample

Writing a great letter of recommendation for a company in a formal style can be challenging.
You can greatly alleviate this problem for your guarantor if you yourself present him with a layout of a letter of recommendation.

In this case, you can initially present the content of the document in the right direction.

2. In the first paragraph, the guarantor explains how long he has been working with you. Briefly describe your type of activity and job responsibilities. Here you can write in a few words about the company itself.

3. In the next paragraph, it is necessary to give a more specific description of your professional and career growth throughout your time working in the company, list all the main achievements, and focus on the most important positive qualities from the point of view of the guarantor. Then the guarantor's impression of joint activities with you.

To summarize what was written above, it is important to describe the personal qualities and positive character traits of a person. Express your opinion about what responsibilities and in what position he can bring the greatest benefit to the organization.

Letter No. 1:

OJSC [company name] is our partner in the field (area of ​​activity). During the period of cooperation, [name of organization] confirmed its highest professional status, activity and competence in performing assigned tasks.

All tasks are completed on time, within strictly defined deadlines and with excellent quality. The company's employees perform their duties efficiently.

We are pleased with the work of [company name] and are ready to recommend this company as a responsible and reliable partner.

[Your name]

Sample letter No. 2:

The company [name of organization], working in (year) year for [name of organization], carried out work on [name of work] and established itself as a highly qualified, executive company.

The work was carried out efficiently and on time. There were no complaints against the company during the work.

[Your name]

Sample letter No. 3:

[name of organization] has been a partner of [name of organization] for [number] years. For so much for a long time[name of organization] has proven itself to be a stable and reliable partner, providing high efficiency, reliability and a flexible approach to the Customer’s needs, never exceeding deadlines.

[Your name]

Sample letter No. 4:

By this letter I confirm that [name of organization] has experience in cooperation with [name of organization] in the field of [field of activity]. During the cooperation, company representatives showed creativity, high professionalism and efficiency in performing the designated tasks.

We confirm that the services of [organization name] correspond to a highly professional profile.

[Your name]

Sample letter No. 5:

Our cooperation with the company [name of organization] has continued since [year]. During this period, the company [name of organization] has established itself as a reliable business partner and sustainable enterprise.

Thanks to the main principle of the company's work - the formation of partnerships with clients based on professionalism and mutual cooperation, it, in our opinion, occupies a stable position in the field of [field of activity].

Sample letter No. 6:

By this letter, the organization [name of organization] informs that during the period of cooperation with [name of organization], this company has managed to establish itself as a reliable and professional partner.

The main distinguishing feature of the work of [name of organization] is the high level of organization and efficiency of the organization’s employees, the readiness to quickly respond to changing circumstances.

Based on the above, the company [name of organization] would like to note the high potential of OJSC [name of organization], focus on prosperity and further successful development.

[Your name]

Letter #7:

During the period of work with [name of organization], the company’s employees have proven themselves to be positive. Their work meets the specified level, is performed with high quality and strictly on time. I would like to note effective work specialists and efficiency in completing tasks, attentive attitude towards the Customer.

[Your name]

Sample letter No. 8:

By this letter, we, [name of organization], confirm that [name of organization] is our long-term and reliable partner.

[name of organization] has been successfully and actively working since [date], providing a full range of services in this area.

During this period, we received services at the highest level. professional level. The professionalism of [organization name] employees ensures a decent quality of services provided.

Based on the above, [name of organization] characterizes [name of organization] as a reliable and professional partner in the field of [field of activity] services.

If a banking organization requires its provision, then our sample letter of recommendation to the bank from a counterparty will be useful. A form is also attached. This form is not the only correct one, but it reflects all the necessary points.

FILES

Recently, banks began to turn to legal entities with a request to provide a letter of recommendation from one of their counterparties. Bankers can be understood, because clients often use the loans provided, purchase leasing services for large objects, etc. A letter of recommendation in these cases minimizes the risk of forming a bad debt obligation.

As for the legal justification of such a procedure, it is provided for in Bank of Russia Directives No. 3179-U dated January 21, 2014.

Thus, a banking organization has the right to request letters of recommendation from counterparties in any volume.

Who to choose as a counterparty

In order to provide what the bank wants, it is not necessary to conduct a survey among all counterparties with whom the organization has ever dealt. You can select several, guided by the following principles:

• The recommending counterparty is serviced by the same bank to which the application is submitted (and which sent the request for a letter of recommendation). This way, bank employees have the opportunity to make sure that the recommender is responsible in financial matters, monitor the movement of his funds in his jurisdiction.
• The recommender has worked extensively and for a long time with the organization. There are no problems, delays, litigation or other “adventures” with him. Still, the terms of cooperation play a big role in proving a responsible approach to business.
• The counterparty is known, located on good standing banks have no problems concluding transactions. In principle, any large organization that has established a good reputation will do.

If there are no counterparties with such characteristics, then you will have to choose from what is available.

It is worth noting that if there is insufficient support from counterparties or if there is no response to a request for a letter of recommendation from a counterparty, the bank has the right to refuse service to its client and suspend ongoing operations. So you need to be responsible when requesting any documentation.

Components of a document

The letter of recommendation is drawn up in free form. When writing it, you should be guided general rules, set for business correspondence. At the top, the details of the counterparty are written down (it is best to fill it out on a specialized form of this organization), as well as the date. Without indicating the latter, the bank may not accept the document, since it needs fresh letters of recommendation (this is implied during the request, although it may not be indicated in its text itself).

The main thing that interests employees of a banking organization is how much they should trust a particular current or potential client. So it is advisable to address the following points in the recommendation:

• Details and names of both organizations.
• Are the companies counterparties to each other?
• An agreement concluded between organizations. Its number and date of signing are indicated.
• How long have the companies been cooperating?
• Were there any irresponsible steps or complaints on the part of the recommended person (since this is a letter of recommendation, it is assumed by default that there were none).
• Whether the counterparty fulfilled its debt obligations, if such arose between the counterparties.

The paper ends with the signature of the head of the recommending counterparty and the date. If possible, a “live” seal is placed. This touch adds weight to the recommendation. Although since 2014, attitudes towards the press have changed significantly.

Possible errors during compilation

When an organization collects the requested package of recommendations, there is no need to collect signatures from different counterparties, using the same text with identical and vague wording such as “long-term cooperation.”

For example, the different number of contracts concluded with the counterparty and the different duration of cooperation should be indicated. It would be useful to indicate additional points characterizing the interacting parties as responsible business partners fulfilling their obligations.

New organizations

If business reputation The company is at the stage of formation, it makes no sense to request letters of recommendation from the counterparty to the bank. This point must be clarified immediately when business correspondence occurs with a bank employee. But even in a situation where provision is impossible, it is worth answering the request correctly, using specific wording.

Perhaps the bank will be satisfied with its reputation individual– the head of the applying organization. It is worth discussing these points, trying to come to a constructive solution that satisfies both parties.

Perhaps, at the onset of IP or legal entity It makes sense to contact smaller banking organizations that do not ask for letters of recommendation.

Applications

Copies of the agreements specified in the letter may be attached as the basis for assurances. The larger the amounts and the longer the relationship, the better. You should also not hide anything from bank employees. Perhaps a change in wording will suffice.

For example, if there were some minor complaints during the interaction between counterparties, then it is worth writing in the letter that no major complaints were identified under any of the contracts. On the one hand, this is a positive characteristic, on the other hand, the fact of minor complaints is not hidden.

In general, a sample letter of recommendation to a bank from a counterparty, attached at the top of the text, is the best option. It can be edited to suit a specific situation and the nature of interaction between counterparties. All the main points will be properly described.

Comfort letter from the guarantor bank
Credit institution form

JSC AK Transneft

Confirmation letter

We hereby confirm that if (Name of the supplier) (hereinafter referred to as the Supplier) is recognized as the winner in the purchase of the lot (Name and Lot No.), (Name of the credit institution) (hereinafter referred to as the Bank) will provide, on his instructions in your favor, irrevocable bank guarantees according to the established form, for the following amounts:

1. 
   Guarantee of return of advance payment (in accordance with the terms of the agreement) - (amount in figures and words);
2. 
   Guarantee of fulfillment of the terms of the contract - (amount in figures and words);
3. 
   Guarantee of fulfillment of the contractor's obligations during the warranty period (in accordance with the terms of the contract) - (amount in figures and words).

Signature authorized person Credit organization

Form 2(for supply of materials and equipment)

Calculation of the bid price for participation in the procurement
Lot No. _________"_________________________________"

(Form-2 is presented in development format in Excel and attached as a separate file in the procurement documentation package)
F orma 3
BANK GUARANTEE
"Bank________" (Open joint stock company), TIN ___________________, General license of the Central Bank Russian Federation No. __________ dated ____ ___________ _______ located at the address: ________________________, box office No. ___________________________ in Branch No. 1 of the Moscow State Technical University of the Bank of Russia, BIC ________________, OKPO code _________________, hereinafter referred to as the Guarantor, acts as a guarantor(address: _____________________________________, INN _____________________, OGRN _______, checkpoint __________), hereinafter referred to as the Principal, before __________________ (CJSC "OMEGA"), INN ____________________/KPP _____________, OGRN __________, current account No. ____________ in __________________________), hereinafter referred to as the Beneficiary, and undertakes, within the amount of the guarantee, to be responsible for the fulfillment by the Principal of the obligations regarding the participation of the latter V procurement for Lot No. ______________________________________________________________________________ ___________________________________________________________________________________ (hereinafter referred to as the Purchase), in accordance with the terms of the Application for participation in the purchase submitted by the Principal.

Guarantee amount: (amount in figures and words)________ (payment currency).

Warranty period: from “__” ________ 20__ to “__” _________ 20__. inclusive 1 .

In the event that:

1. The principal withdraws his application for participation in the procurement within 90 days from the date determined for opening applications for participation in the procurement;

2. The procurement participant, notified of the award of the contract, will refuse to sign the contract in respect of which the procurement has been announced within 7 working days;

3. The procurement participant, within 2 hours after the auction trading session, did not provide Form 2, “Calculation of the bid price”, signed by the procurement participant, item by item - adjusted based on the results of the auction and the protocol on the procurement results signed by the procurement participant.
The Guarantor undertakes to pay to the Beneficiary an amount not exceeding the amount of the guarantee upon receipt of a written demand for payment, signed by the authorized representatives of the Beneficiary and affixed with his seal, provided that it contains an indication that this amount is due to the Beneficiary in connection with the fact that that one or more of the above violations occurred, specifying the violation or violations that occurred.

Request for payment under the guarantee must be received by the Guarantor before the expiration of the guarantee at the following address: ______________________________ (indicate the full postal address of the bank that issued the guarantee).

Payment by the Guarantor of the guarantee amount must be made within five working days from the date of receipt by the Guarantor of the written request of the Beneficiary. The Guarantor's obligations to pay the guarantee amount are considered duly fulfilled from the date of debiting funds from the Guarantor's correspondent account.

This warranty is irrevocable.

The right of claim against the Guarantor belonging to the Beneficiary under this guarantee cannot be transferred to another person.

This guarantee is terminated on the grounds provided for in Article 378 Civil Code Russian Federation.

This warranty is subject to the laws of the Russian Federation.

All disputes under this guarantee will be resolved in the Arbitration Court _____________ (at the location of the branch of the Guarantor that issued the guarantee).

Signature of the authorized person of the Bank

Bank Seal

f orma 4
Procurement participant ________________________________________

Confirmation of agreement with the terms of the agreement
The procurement participant has read and studied the procurement documentation, as well as the terms of the contract (supply of goods, provision of services, performance of work) for lot No.____________ "___________________________" and prepared its application for participation in the procurement in accordance with the conditions specified in the procurement documentation, without any reservations.

The procurement participant understands that he does not have the right to make changes to the application for participation in the procurement and undertakes, if selected as the winner of the procurement, to conclude an agreement in accordance with the terms of the procurement and the attached draft agreement.

f orma 4.1.

Procurement participant ________________________________________
Confirmation of consent to non-return of application security

participation in procurement (transfer of funds

to the settlement organizer of the purchase)

The procurement participant has read and studied the procurement documentation for lot No.____________ “__________________________ __ ».

The procurement participant agrees that cash deposited as security for an application for participation in a procurement are not returned if:

The procurement participant, notified of the award of the contract, will within 7 days refuse to sign the contract in respect of which the procurement has been announced.

F orma 5
Procurement participant ________________________________________

LIST OF INVOLVED SUBAGENTS

according to lot No.__________
The procurement participant is obliged to involve subcontractors from among small and medium-sized businesses (if such a requirement is established in the procurement notice)

Note:
1. A subagent is understood as: any organization (dealer, representative, manufacturer, manufacturer, performer, etc.) involved in the supply of goods, performance of work, provision of services.
Additional requirements for the procurement participant:
1. If you plan to purchase goods, works, services through subagents, then it is necessary to indicate the organization with whom transactions will be directly concluded for the supply of goods, provision of services, performance of work, indicating the final manufacturer (performer) and with the attachment of contractual relations (purchase participant - subagent, subagent – ​​producer, performer).

2. If the manufacturer (performer) himself participates in the procurement, this form is submitted indicating the information “No subagents are involved for lot No.______” .

3. It is mandatory to indicate whether the subagent involved is a small or medium-sized business.

4. When planning the supply of pipes and parts with an internal silicate-enamel coating, it is necessary to evenly distribute orders for coating at manufacturing plants included in the OVP Register of AK Transneft OJSC.

<1>The preparation of this article was supported by the Central European University (CEU) Special and Extension Programs. The author's views expressed in this article do not necessarily reflect the views of CEU.

Burkova A., candidate of legal sciences.

Sometimes in international practice there is a document called a comfort letter (in English- "comfort letter"). What is it? What is its status under foreign law?

A comfort letter is a letter issued by an organization or person that expresses support for another person.

In international practice, there are usually several most common cases of providing comfort letters:

• provision of comfort letters by the parent organization regarding its subsidiary organization to the creditor of the subsidiary. In these letters, the parent organization expresses its agreement that the subsidiary company receives financing;
• provision of comfort letter by audit firms for the purpose of allotment of shares/bonds by their clients. In such letters, audit firms confirm the financial performance of the companies since the last audited statements were provided, and also confirm that there have been no significant financial changes in the company's activities compared to how such activities are described in the prospectus;
• provision of comfort letters by governments, for example, confirming the government's agreement that certain funds will be provided to public/state-owned companies or that the government will provide all necessary licenses to a person for a certain project.

Comfort letters from the government are often used for project financing. This is due to the fact that, unlike conventional lending, where all risks associated with lending are, as a rule, fully borne by the borrower, when organizing project financing, risks are distributed among several persons, including between the borrower, lender and other project participants . Thus, the management of political risk when implementing project financing, the size of which is usually significant and which may affect the strategic interests of the state, is most appropriate to entrust to government bodies or the government by involving them in the project. In this case, the state undertakes certain guarantees about the creation for a certain period special conditions, contributing to the implementation of the project.

As another example of using a comfort letter abroad, we can cite comfort letters to supervisory authorities. For example, in some countries (UK, France, etc.) it is standard practice to provide comfort letters to the supervisory authorities of the relevant countries when the main shareholder of a bank with foreign capital changes.

What legal force do comfort letters have?

In fact, the legal force of a comfort letter depends on its provisions and legal requirements or judicial practice jurisdiction in which the letter of comfort was issued or the dispute is pending.

As a rule, the force of a letter of comfort is lower than the legal force of a guarantee or surety. Letters of comfort are usually issued in cases where the guarantor is not prepared to provide a legally valid guarantee/surety. For example, due to the fact that the guarantee would violate the guarantor's standards or internal provisions or agreements, or the guarantor does not want the corresponding obligations to be placed on its balance sheet, or because the guarantor believes that such security is sufficient in this particular case.

In these cases, essentially comfort letters are used where some semblance of a guarantee is considered better than just nothing. They are not suitable for creditors who may sue the guarantors in the future.

Interestingly, the approach that comfortable writing is not always an obligation prevails in Anglo-Saxon law (UK and US). However, in France and Germany, comfort letters are very often recognized as valid obligations. It is also believed that if the letter of comfort states the law and choice of court, this means that the intention of the parties was to create a legally enforceable document, in which case the letter of comfort can be equated to a surety or guarantee.

The conditions for comfortable writing in commercial practice usually cover the following main points:

• confirmation that the person providing the comfort letter is aware of the funding.

The parent company says it is aware of the proposed loan and approves it. Such confirmation is intended to eliminate subsequent objections from the parent company that the subsidiary acted independently and therefore bears all responsibility independently;

• obligation not to reduce its share in the organization.

The parent company agrees that it will not reduce its share of the subsidiary's share capital until the loan is repaid. Sometimes it is also stated that if the parent company ceases to own the borrowing subsidiary or reduces its interest in it, the parent company will provide a guarantee to the lender for the obligations of the subsidiary;

• the degree of support that creditors require.

May vary greatly from case to case. For example, the parent company, in accordance with the letter of comfort, confirms that it will not receive money from the subsidiary if this results in the subsidiary being unable to fulfill its obligations to the creditor. However, with this form of support, it should be borne in mind that the parent company agrees not to withdraw money from the subsidiary, but it does not agree to provide money and pay for its subsidiary to the creditor if the subsidiary fails to fulfill its obligations.

Support can also be expressed in the form of subsidies: the parent company agrees to provide the subsidiary with all the necessary funds so that the subsidiary fulfills its financial obligations to creditors.

The degree of support is usually expressed in terms of intention - "in our intentions" or "according to our policy." The expression of such an intention in Anglo-Saxon law does not provide any guarantee for the future, since it is believed that intentions may change.

Indicative in this sense is the dispute in the case of "Kleinwort Benson Ltd v Malaysia Mining Corpn." According to the circumstances of the case, the plaintiff agreed to provide funds to the defendant's subsidiary. The defendant was asked to provide a guarantee to secure the subsidiary's loan obligations but refused to do so. In exchange, the respondent provided the applicant with a comfort letter which stated the following: "It is our policy to ensure that the subsidiary's business is conducted in such a manner that it can fulfill its obligations to you." Then the market crashed and the subsidiary was declared bankrupt. The applicant tried to obtain funds from the defendant by relying on a comfort letter from the parent organization. The applicant believed that since the letter was commercial document, it is presumed that such document was provided to create legally valid obligations. The court rejected the claim, noting that the wording of the comfort letter essentially represents simply an excerpt from the defendant’s internal documents (policies), therefore the comfort letter cannot be considered as a promise not to change such internal rules in the future, therefore cannot be considered as a legally valid obligation. The Court emphasized that the question of whether a contract creates legally binding obligations depends on the circumstances of each particular case. In Kleinwort Benson Ltd v Malaysia Mining Corpn it was important that the parties were on equal footing, that the respondent expressly refused to provide a valid guarantee and that the applicant instead agreed to accept a letter of comfort on the basis that the interest on the loan would be higher than it was would have been if the defendant had provided a guarantee.

According to the British Association direct marketing, every £1 invested in email marketing in 2015 generated £38 in profit. Want to achieve the same results, but don't know how to write a letter to a client?Then use the bestsample letters to clients,which we have collected for you in this review.

How to write a letter to a client correctly

You think about your customers all the time, but it's not mutual. To capture their attention and get ahead of your competitors, you need to regularly remind yourself. Emails do this very well. According to the authors of the Pipedrive blog, there are several tricks that can work in your favor:

1. Patience and more patience. Lead your potential buyer toward a deal gradually by regularly sending him .
2. Agree on strategy in sending letters to clients with the marketing department, so as not to be too intrusive and not to clog the client’s mailbox with repeated information.
3. Use a CRM system. It will simplify the technical side of communication with clients and speed up work with mail.

A CRM system is a convenient program that helps keep records of clients and transactions, records all calls, and also helps to conveniently organize correspondence with the client. For example, the program integrates with the mail service (you can connect an unlimited number of mailboxes) and allows you to save the correspondence history directly in the counterparty’s card. If he wrote to you new client, then you can create a deal card directly from an incoming letter.

Letters to clients: examples and ready-made samples

We have compiled a selectionbusiness letters to clients,which you can take as a sample. All you have to do is add details to them.

1. Are you writing to a potential client for the first time? Send this short message:

Subject of the letter: Perhaps you are our new client

Hello, [Name].

We [brief information about the company].

If this interests you, I am ready to discuss the possibility of cooperation. Let us know what time would be convenient for you to call.

[Signature]

2. Tell your potential client about your successful experience of cooperation with his competitors:

Subject of the letter: Keep up with your competitors

Hello, [Name].

We work successfully with [competitor of X and Y] V [field of activity] already [so much time] and together we achieved good results. You can find detailed information about them here [link to case/review].

We will be glad if you join us.

[Signature]

3. If you received contacts at a business event potential clients, send themoffer lettersuchsample:

Subject of the letter: More about our company

Hello, [Name].

I hope you liked it too [event], and would like to thank you for your interest in [company name].

I have attached more detailed information about our company. I will be happy to discuss any questions you may have over the phone.

[Signature]

Reminder letters

4. Some time after sending letters to clients offering services or additional information remind about yourself:

Subject of the letter: Is there something you want to discuss?

Hello, [Name].

I hope that you had the opportunity to read my previous letter and become more familiar with [additional information].

Do you have any questions or thoughts about my proposal? I will be happy to discuss them over the phone or in person. When will you have time for this?

[Signature]

5. If you can show the effectiveness of your proposal with numbers, then share them in letters to company clients. Facts convince better.

Subject of the letter: A few facts you might not know about [company name]

Hello, [Name].

I recently sent you a letter about [company name], and I think we could be useful [your company].

Our clients are seeing growth [specify indicators] when used [name of product and service]. We also offer [tell about promotions] And [mention other great deals].

If you would like to know more details, please let us know and we will arrange negotiations by phone or in person.

I'm looking forward to your answer.

[Signature]

6. Offer customers a trial period or free samples. Buyers are more willing to make a deal if they test the product first.

Subject of the letter: Gift for your company

Hello, [Name].

A few days ago I sent you information about [product name] and now I propose to try it in action.

I have created/attached some guest logins/free samples/vouchers that can be used to access/receive [product or service]. Share them with your colleagues. It would be interesting to hear their opinion.

I will be happy to discuss everything in more detail over the phone or in person. I'm sure we can really be useful to you in [field of activity].

[Signature]

7. If you are not sure that you are corresponding with an employee authorized to negotiate, ask him to help reach the decision-maker:

Subject of the letter: I hope you can direct me to the right person

Hello, [Name].

A few days ago I sent you a letter about [company or product] and now I doubt that I came to the right address.

Is it you who makes decisions on the issue that interests me? If not, could you help me contact the right person at your company?

I'm waiting for your reply.

8. Use this text of the letter to the client if, after meeting with him, you want to inquire about his future plans:

Subject of the letter: Your plans

Hello, [Name].

Thank you for your time. Now I would like to know how you see further discussion of our issue.

If you are still interested, please inform us of your plans.

I'm waiting for your reply.

[Signature]

9. After meeting with the client, remind him of the following stages of negotiations:

Subject of the letter: Action plan for the near future

Hello, [Name].

Thank you for taking the time - today's meeting was very productive. Let me briefly remind you what we will do next:

[Date]: I will send you [contract/full set of documents].

[Date]: You will pass on your comments and wishes to me.

[Date]: We will make all final changes and sign the agreement.

If you need to discuss anything before this date, please let me know.

10. Composesuchletter to client, if during the meeting he wanted to receive additional information:

Subject of the letter: Information on your request

Hello, [Name].

We were glad to meet personally with representatives of your organization. I promised to send you additional information about [question]- they are in the attached file.

Ready to answer any questions. Feel free to call me at [number] anytime or write to this address.

[Signature]

If the client does not contact

11. If the client does not answer the phone call , use the followingletter writing sample:

Subject of the letter: Couldn't contact you

Hello, [Name].

I wanted to discuss with you [question], but you are probably busy. Please call me back at [number] or let me know when it’s convenient for you so that I can call.

[Signature]

12. Didn’t get through to the client and left him a voice message? Complete it with the following letter:

Subject of the letter: Didn't get through to you

Hello, [Name].

I recently called you to discuss [question].

[Signature]

13. If a customer persists in not responding across all channels, they may have a lot on their plate. Use this template - even a very busy person can find a couple of seconds to answer:

Subject of the letter: Short answer required

Hello, [Name].

Unfortunately, I can’t contact you in any way. I assume that you are very busy or are no longer interested in our services.

Please indicate the appropriate answer in your response:

1. Please leave me alone!
2. Too busy, write to me again in a month please.
3. I will contact you myself.

[Signature]

14. If you want to unobtrusively remind about yourself, share with the client information that will be useful to him:

Subject of the letter: Useful information for your business

15. If the client delays payment, remind him of this:

Subject of the letter: Payment delay

Hello, [Name].

[Date] I sent you an invoice by email. Payment has not yet been received, so please check if your finance department our account? If necessary, I will resend it. I expect payment from you within a week.

Thanks for your help.

[Signature]

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