TOEIC ETS

To:Manuel Torres <m.torres@opalmail.co.uk> From: Anya Patel <a.patel@support.harlund.co.uk> Date: 3 May Subject: Auto insurance Dear Mr. Torres, Welcome to Harlund Ltd. We are pleased to provide you with comprehensive automobile insurance for your new vehicle. We have received your first payment of £36.00, and your coverage is now in effect. Your policy number is M413927. Your billing schedule is based on an annual premium of £432.00. The remaining payments of £36.00 per month are due on the fifteenth day of each month starting in June. You can visit us online at www.harlund.co.uk to pay bills and manage your policy. Our Web site offers easy options for managing your account information and for making payments with scheduled transfers directly from your bank. Should you have any questions or wish to change your policy, call the customer support centre at 020 7946 0516. In the event of a vehicle incident, please contact an agent as soon as possible at 020 7946 0520. Be sure to have your policy number at hand. Thank you for trusting Harlund Ltd. We look forward to providing you with superior service. Best regards, Anya Patel, Harlund Ltd. Customer Support Agent ======== To: Anya Patel <a.patel@support.harlund.co.uk> From: Manuel Torres <m.torres@opalmail.co.uk> Date: 4 May Subject: RE: Auto insurance Dear Ms. Patel, Thank you for the confirmation. I'm happy to have insurance from a trustworthy company. For your reference, the new car is now registered in my name. Although I made the initial payment to you by credit card, I plan to follow the process outlined in your e-mail for future payments. I also wanted to let you know that I have not yet received the insurance certificate. I looked for one that I could download from your Web site, but I could not find anything. Could you please send me a copy of the certificate? Sincerely, Manuel Torres

What can be inferred about Mr. Torres?