Mr. William M. Mackey

Assistant Treasurer

CitiTrust Bank

505 Pratt Street

Wilmington, Delaware 09876

Dear Bill:

What a small world! Ten years ago, you and I worked at United Savings and now our paths have crossed again. It was great seeing you at the Clearinghouse luncheon last week; I appreciate your offer to pass my name along to your EFT people.

To this end, I've enclosed my resume which details the considerable experience I've enjoyed in funds transfer, including my key role in the development of EFT systems for two major commercial banks.

As you no doubt recognize, this kind of hands-on expertise can prove immensely valuable for you and for CitiTrust. It means that I am equipped not only to forecast the challenges that lie ahead as our industry continues to evolve, but also to create the innovative solutions demanded of those banks that will succeed in the years to come.

I am making plans to visit Wilmington from the 5th through the 15th of next month and would love to get together with you. I will call your office shortly to set up a meeting.

Thanks again, Bill, for your interest.

Sincerely,

Carolyn Marie
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