Financial Institutions

Dear Sir/Madam,

On 1 August 2003 Erste & Steiermärkische Bank d.d., Zagreb and Riječka banka d.d., Rijeka merged into

Erste & Steiermärkische Bank d.d.
Registered Office: Jadranski trg 3a, 51000 Rijeka
Head Office: Ivana Lučića 2, 10000 Zagreb
Tel. +385 62 37 1000
Fax: +385 62 37 2000
SWIFT: ESBCHR22
REUTERS: ESZH
E-mail: erstebank@erstebank.hr
www.erstebank.hr

We are pleased to enclose our Terms and Conditions for Foreign Correspondents, Standard Settlement Instructions and Contact List and our broadcasts.

Best regards
Erste & Steiermärkische Bank d.d.
Financial Markets and Investment Banking Division
Financial Institutions Group
  Krsto Jurić
  Dubravka Momčilović
  Tel. +385 62 37 1148, +385 62 37 1213
  Fax: +385 62 37 1934
  momcilovic@erstebank.com
  kjuric@erstebank.com