MM/DD/YY

     XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

     XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

     XXXXXXXXXXX, PA #####-####

     Account # : ##########

     Service @ : XXXXXXXXXXXXXXXXXXXXXXXX

     Dear : XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

     This letter will confirm the terms and conditions of the payment plan

     (the 'PLAN') developed on MM/DD/YY. The particulars are as follows:

        * As of today, the balance on the above referenced account is $#####.##

        * Yourself and the Authority have agreed to a monthly payment of $#####.##

        * This payment must be  at the letterhead address by the close of

          the last business day of the month.

        * Interest charges will continue to accrue each month on the unpaid

          balance of the amount.

     It is  understood that any quarterly bills submitted to you from this date

     forward must be paid in a current manner. 'Current' is defined as payment

     that has been received at the letterhead address by the  close of the last

     business day  of the  month  in  which the bill is  dated and mailed. Any

     deviation from this will be considered a violation of the plan.

     We sincerely hope  this plan will  be successful. However, in the event

     that the terms and conditions of the plan  are not met, the water service

     at the above  referenced service  address is subject to shut off  without

     further notice.

     Very truly yours,

     XXXXXXXXXXXXXXXXXXXXXXXXXXX

     Finance Director