<HTML><head><meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"/></head><BODY>Hello, My name is Ella Golan, I'm the Executive Vice President (C.P.A) of the First International Bank of Israel (FIBI). I have something important to discuss with you but only with your permission, I will proceed.<BR>Regards<BR>Ella Golan</BODY></HTML>