endwich bank 1 Storion Square, London W1 3HW To: Ms. Rebecca Bloomwood Unit 4, 63 Jarvis Road, Bristol BS1 0DN Dear Ms. Bloomwood: Congratulations! As a recent graduate from the University of Bristol you should undoubtedly be proud of your achievements. We in Endwich are equally proud of our achievements as a flexible, thoughtful bank with the right account for everyone.We are especially proud to have the foresight to approach talented customers like you. We are therefore offering you, Ms Bloomwood - a university graduate - an interest-free overdraft of £2,000 during your first two years of employment.This service is available as soon as you decide to open an account with Endwich Bank.I sincerely hope that you will seize this golden opportunity and look forward to receiving your application form.

Congratulations again! sincerely yours Nigel Firth Graduate Marketing Manager July 6, 1997 endwich bank Fulham Branch 3 Fulham Road, London SW6 9JH To: Ms. Rebecca Bloomwood Unit 2, 4 Burnie Road, London SW6 8FD Dear Ms. Bloomwood: Based on my letters to you on May 3, July 29 and August 14, you should be very aware that your graduate interest-free overdraft service will end on September 19, 1999.You should also be very aware that your actual overdraft has exceeded the allowed £2,000. Your current balance is: £379,456 overdraft. Could you please call my assistant Erica Parnell to arrange a meeting to discuss this matter.

sincerely yours derek smeez manager September 10, 1999 endwich bank Fulham Branch 3 Fulham Road, London SW6 9JH To: Ms. Rebecca Bloomwood Unit 2, 4 Burnie Road, London SW6 8FD Dear Ms. Bloomwood: I am so saddened to hear that you have broken your leg. When you recover, would you please call my assistant, Erica Parnell, to arrange a meeting to discuss your current overdraft problem. sincerely yours derek smeez manager September 22, 1999 endwich bank Fulham Branch 3 Fulham Road, London SW6 9JH To: Ms. Rebecca Bloomwood Unit 2, 4 Burnie Road, London SW6 8FD Dear Ms. Bloomwood:

I am so saddened to hear that you have infectious mononucleosis. When you recover, could you please call my assistant, Erica Parnell, and arrange a meeting to discuss your situation. sincerely yours derek smeez manager November 17, 1999