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<TD align=left><BR><FONT
face="Verdana, Arial, Helvetica, sans-serif"
color=#d4001a size=3><STRONG><BR> Dear Customer,
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<TD><FONT
face="Verdana, Arial, Helvetica, sans-serif"
size=2><BR> 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> 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> 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> We apologize for any inconvenience this may cause you!<BR> Thank you for using First Direct !<BR><BR><BR>first direct is a division of HSBC Bank plc. © 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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