Update Policy Letter

January 12, 2005

Ms. Anna Manansala
Kpop St. Arianda Subd
Quezon City

Dear Ms. Manansala:

I would like to inform you that we recently updated our bank policy. There are a lot of changes so better check and read our policy for your reference.

I have attached the copy of our bank policy for this year. As always, if you have any questions or clarification, feel free to contact us. We were always here to help.

Thank you for your unending support.
Sincerely yours,

Mikaela Austria
Bank Manager