RU BIN AND RUDMAN

COUNSELLORS AT LAW 50 ROWES WHARF OSTON. MASSACHUSETTS OZIIO-3319

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GUTERMAN & GUTERMAN FOUNDED 1920

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STANLEY H. RUDMAN W, BRADLEY RYAN OF COUNSEL

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January 5, 1996

BY FACSIMILE

John J. Rosenberg, Esq. Epstein, Becker & Green, P.C. 75 State Street Boston, Massachusetts 02109-1807

RE: V & M Management, Inc., et al. v. Judith Moriarty, etal. Suffolk Superior Court - Civil Action No: 96-0036 D

Dear Mr. Rosenberg:

This letter is in response to your January 2, 1996 letter in which you request "advice" as to whether your clients "may apply the sums reflected by the check [in the amount of $13,511] towards the far greater indebtedness that the Mourad Parties owe . . . ." The answer is no. The check was tendered as full and final payment and since you do not accept it as such you should return it to me today by hand delivery.

Thank you for your cooperation in this matter.

Very truly yours,

Michael L. Altman

HEM/dmb

cc:^Alphonse Mourad