Dear Clients,

We have been receiving many requests on the clarification on the charges involved for the closure of
accounts. There is a standard 3%withdrawal charge involved for making any withdrawals. An
addition 3%administrative charge would also be incurred for the procedures involved in closing your
account as per Refund Procedure memo that was sent our earlier this week. Therefore the total
charges incurred would be 6%of your funds.

Thank you for your time.
Miranda Perry
Customer Relations
FX Zenith Investments Limited