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Sub : Account Creation Dear Sir/Madam,

We enclose the Terms and Conditions for this account and the regulatory disclosures along with the letter. We also enclose a booklet which contains information about fees that apply to our personal accounts and services. Please read the attached documents carefully and call us should you have any questions or if there is something you do not understand. The attached documents are yours to keep. Please feel free to contact us if you need further clarifications. Yours faithfully, Manager Futura Bank