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FEDERAL RESERVE BANK OF NEW YORK % Cf/o July 7, 1981 To the Chief Executive Officers of All Banking Institutions in the Second Federal Reserve District: Manufacturers Hanover Trust Company has informed us that certificates of deposit purportedly issued by a company entitled “Manufacturers Hanover Trust Co., Ltd., Houston Street, P. 0. Box 207, Plymouth, Montserrat," are in circulation and that other banking operations are being conducted in the name of this entity. The bank has asked us to advise you that no office is maintained, and no business is conducted, in Montserrat by Manufacturers Hanover Trust Company, Manufacturers Hanover Corporation or any of their subsidiaries, nor have any of these entities licensed or authorized any third party to use the name Manufacturers Hanover Trust Company or any similar name in the West Indies. If you receive any inquiry or documentation concerning Montserrat banking activities being conducted in Manufacturers’ name, please contact Joan L. Levy, Associate Counsel, Manufacturers Hanover Trust Company (Tel. No. 212-350-6195). A nthony M. S olomon, President.