BANCA SERFIN SA PENSION PLAN

NOTICE TO CREDITORS AND BENEFICIARIES UNDER SECTION 27 OF THE TRUSTEE ACT 1925

Pursuant to section 27 of the Trustee Act 1925, notice is given that all the Creditors, Members and others having any claim against or claim to be beneficially interested in the assets of the Banca Serfin SA Pension Plan, are required to send particulars in writing to the Trustees of the Scheme, c/o Abbey National Benefit Consultants Limited, Bancroft House, 251 High Street, Orpington, Kent BR6 0NY, within 2 months of the date below. After this date, the Trustees will proceed to distribute the remaining assets of the Scheme among the persons entitled to them, and will have regard only to the claims of which they then have notice. The Trustees shall not be liable to any person of whose claims or demands they then have not had notice. Abbey National Benefit Consultants Limited, Bancroft House, 251 High Street, Orpington, Kent BR6 0NY, for and on behalf of the Trustees of the Scheme. 26th January 1999.