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Dear Customer,

Notification of low balance inactive account service fee

Due to the high cost of maintaining low balance inactive accounts, we will charge a half-yearly service fee of US$20 on US Dollar savings accounts which have been inactive for three years or more and have a balance lower than US$150. The account will be automatically closed when the balance is reduced to zero.

This charge will not apply to any account if the balance is above US$150 before May 31, 1998. If you wish to avoid this charge, we recommend you either consolidate your inactive account(s) with other accounts or deposit sufficient fund to increase your balance above US$150.

If you have any queries about this charge, please do not hesitate to contact one of our branches or call on our Customer Service Hotline on 3333 XXXX.

We are always pleased to be of service.

Yours sincerely,

Customer Service Manager

OOC Bank

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