<HTML><head><meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"/></head><BODY><P>Sorry to break into your privacy in this manner, <BR>I'm Smadar Barber-Tsadik, Deputy Chief Executive Officer <BR>of First International Bank of Israel Ltd (FIBI). <BR>I am getting in touch with you regarding an extremely <BR>important and urgent matter. If you would oblige me the <BR>opportunity, I shall provide you with details upon your <BR>response.</P>
<P>Faithfully,<BR>Smadar Barber-Tsadik</P>
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