Dear Mr.(Mrs.,Ms.)

In 1990, when Panama was looking into the future with new hope, a group of Panamanian businessmen founded Multi Credit Bank, to support with confidence and optimism this new era of our nation. Seventeen years later, we have consolidated our position in the local market as a stable, flexible and friendly bank.

At this moment Panama faces new challenges, rapid growth, new markets and a prosperous outlook. Once more, the bank you trust projects itself as a solid institution that goes hand in hand with the Panamanian people, to offer innovative banking services and products, thus allowing the development of businesses and relations that generate greater benefits for the country.

To accompany this important stage in the history of the republic, Multi Credit Bank, evolves, and on January 8, 2008 will present a new image and a fresh, renewed name: MULTIBANK. This new image reflects our enthusiasm and commitment to serve our customers in all their financial, personal and corporate needs. This renewal does not represent any change whatsoever in the products and accounts you hold with us.

We are at your disposal in all our branches throughout the country, as in MULTIBANK you will continue to receive the benefit of experienced bankers. Together we shall evolve, renovate, and grow!

Sincerely,

Alberto S. Btesh H.
President