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Thanks, you are an angel.

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P.S.: I heard your news — congratulations!

Ms. Rebecca Bloomwood

Apt. 4D

418 W. 46th Street

New York

January 30, 2001

Dear Ms. Bloomwood:

New Account No.: 4567 2346 7689

Welcome to Second Union Bank! We are sure you will be happy with the wide range of banking services we can provide.

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We at Second Union Bank pride ourselves on our highly individual approach to clients. May I invite you now to contact me personally at any time if there is anything I can help you with. No matter is too small for my attention.

Thank you for choosing Second Union Bank, and I am sure this is the beginning of a long and fruitful relationship.

With kind regards.

Yours sincerely,

Walt Pitman

Head of Customer Services pqdm.com