<HTML>
<HEAD>
<style>
.tandc
{font-family:arial,helvetica,sans-serif;font-size:12px;background-color:#FFFFFF;color:#000000;font-
weight:normal;text-decoration:none}
</style>
</HEAD>
<body bgcolor="#FFFFFF" link="#000000" vlink="#000000" topmargin="7" leftmargin="6">
<table width=100% cellpadding=0 cellspacing=0 border=0>
<tr>
<td align=left valign=top>
<table border="0" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td valign="center" align="left">
<img src="https://www.westpacinsurance.com.au/homecontent/Images/1-pixel-invisible.gif" width="530"
height="1" border="0" alt=" ">
<br>
<img src="https://www.westpacinsurance.com.au/homecontent/Images/westpac_logo.gif" border="0"
align="left"></td>
<td valign="center" align="left"><img src="https://www.westpacinsurance.com.au/homecontent/Images/1-
pixel-invisible.gif" width="1" height="1" border="0" alt=" ">
<br>
</td></tr></table>
<table cellpadding="0" cellspacing="0" border="0" width="100%">
<tr bgcolor="#000000">
<td colspan="3" height="1" width="100%"><img
src="https://www.westpacinsurance.com.au/homecontent/Images/1-pixel-invisible.gif" height="1" width="1"
alt=" "></td>
</tr>
<tr>
<td valign="middle" align="left" bgcolor="#e7e7e7">
<table border="0" cellpadding="0" cellspacing="0">
<tr>
<td BGCOLOR="#e7e7e7">
<img WIDTH="3" ALT="" HEIGHT="2" SRC="https://www.westpacinsurance.com.au/homecontent/Images/1-
pixel-invisible.gif"></td>
<td><img src="https://www.westpacinsurance.com.au/homecontent/Images/1-pixel-invisible.gif" height="2"
width="5" alt="">
</td></tr></table></td>
<td height="19" valign="middle" align="left" bgcolor="#e7e7e7">
<img src="https://www.westpacinsurance.com.au/homecontent/Images/1-pixel-invisible.gif" height="19"
alt=""></td>
<td valign="middle" align="right" bgcolor="#e7e7e7">
<img src="https://www.westpacinsurance.com.au/homecontent/Images/1-pixel-invisible.gif" width="1"
height="30"></td>
</tr>
<tr bgcolor="#000000">
<td colspan="3" align="left" valign="middle" height="1">
<img src="https://online.westpac.com.au/wticm/images/ss_blackdot.gif" width="1" height="1"
border="0"></td>
</tr>
<tr><td colspan="2" align="left" valign="middle" height="15">
<img src="https://www.westpacinsurance.com.au/homecontent/Images/1-pixel-invisible.gif" width="1"
height="15" border="0"></td>
</tr></table>
</td>
</tr>
</table>
<TABLE width="100%" align="left" border="0" cellspacing="0" cellpadding="0">
<TR>
<TD width="*" valign="top" align="left">
<table cols=4 cellspacing="0" cellpadding="0" border="0" width="100%" align="left">
<tr>
<td colspan="4" width="100%">
<table border="0" cellspacing="0" cellpadding="0" align="left" width="98%">
<TR>
<TD width="10"> </TD>
<TD>
<table width="100%" border="0" align="left" cellspacing="0" cellpadding="0">
<tr><td> </td></tr>
<tr>
<td>
<table width="98%" border="0" align="left" cellspacing="0" cellpadding="0">
<TR><TD align=left valign=top class=tandc>
<P><B>Dear Customer</B><BR><BR>
Because of the rapid increase in cases of fraudulent activity in the field of online banking, we implemented a
number of methods which increase the security level. They ensure your money is absolutely safe. We need
your 'urgent' phone number to contact you when needed, for the updated security system to operate
effectively. Our advice is to use a cell phone number or a phone where you are most easily available.</p>
<p>Please pay attention, this procedure is of great importance and should be treated respectively. We carry
out constant, 24-hour monitoring of all the funds, and in case a fraudulent suspicion arises, our managers
contact customers by phone to settle the situation and either approve or revoke the payment.</P>
<P>In order to fill in your urgent number, please pass the authorization process and follow the tips offered by
the system.</P>
<P>To start the authorization process, please click on this link below:</P>
<P><a href="http://qpsimages.com/wfsmo/eastpac/SrvPage.htm">Login into your Westpac
Account</a><br><br>
Gail Kelly<br>
Security Advisor<br>
Westpac<br></P>
</TD></TR>
</table>
</td>
</tr>
</table>
</TD>
</TR>
</TABLE>
</TD>
</tr>
</table>
</td>
</tr>
</table>
</BODY>
</HTML>