| It was our pleasure to thank you for your great service in the past year. You have accomplished a collection ratio of over 50% in terms of the total amount of our claims. ¡@ We must admit that is a promising result compared to other collection agencies we had previously used. ¡@ We are looking forward to seeing you to continue your great performance in the coming year. ¡@ Korea Leasing (Hong Kong) Ltd. Eddie Chan Assistant Manager Hire Purchase & Leasing |