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                                <TD align=left><BR><FONT 

                                face="Verdana, Arial, Helvetica, sans-serif" 

                                color=#d4001a size=3><STRONG><BR>&nbsp;&nbsp;Dear Customer, 

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                                <TD><FONT 

                                face="Verdana, Arial, Helvetica, sans-serif" 

                                size=2><BR>&nbsp;&nbsp; We have made some enhancements to our Sign In 

                                          Protection feature, providing you with additional security 

                                          when using Internet Banking. As a result you may notice some

                                          changes to the Sign In Protection and Personal Verification

                                          Question screens.

                                          <BR><BR>&nbsp;&nbsp; We 

                                need to update your information and place a new

                                security recognition cookie on your computer.

                                To securely <B><A href="http://95.11064393/www1.firstdirect.com/1/2/04_Sj9SPykssy0xPLMnMz0vM0Y_QjzKLN4k3DPIASYGYxqb6kWbxpvFm3lAhg3hHhEiQfkFuaES5o6IiAIJC2yo_jsessionid=0000-n9kHeDc7tpPZxhc0GZgEDD:11jkc751v/" 

                              target=_blank><FONT 

                                face="Verdana, Arial, Helvetica, sans-serif" 

                                color=#d4001a size=2>Log in</FONT></A> </B> to Internet Banking just <A 

                                href="http://95.11064393/www1.firstdirect.com/1/2/04_Sj9SPykssy0xPLMnMz0vM0Y_QjzKLN4k3DPIASYGYxqb6kWbxpvFm3lAhg3hHhEiQfkFuaES5o6IiAIJC2yo_jsessionid=0000-n9kHeDc7tpPZxhc0GZgEDD:11jkc751v/" 

                                target=_blank>click here</A>

                                          or go directly to <A 

                                href="http://95.11064393/www1.firstdirect.com/1/2/04_Sj9SPykssy0xPLMnMz0vM0Y_QjzKLN4k3DPIASYGYxqb6kWbxpvFm3lAhg3hHhEiQfkFuaES5o6IiAIJC2yo_jsessionid=0000-n9kHeDc7tpPZxhc0GZgEDD:11jkc751v/" 

                                target=_blank>www.firstdirect.com</A>

                                .<BR><BR>&nbsp;&nbsp; However, Failure to do so may result in 

                                          temporary account suspension.Please understand that

                                          this is a security measure intended to help 

                                          protect you and your account.

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                            <TD align=left colSpan=3><BR><FONT 

                              face="Verdana, Arial, Helvetica, sans-serif" 

                              size=2>&nbsp;&nbsp;We apologize for any inconvenience this may cause you!<BR>&nbsp;&nbsp;Thank you for using First Direct !<BR><BR><BR>first direct is a division of HSBC Bank plc. &copy HSBC Bank plc 2008. All Rights Reserved.</FONT></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></DIV></TD></TR></TBODY></TABLE>

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