New Year's

Sanjiv Desai, Chief Information Officer, Parsam Technologies

February 9, 2007

As we see the year 2006 coming to an end and a New Year 2007 beginning, we find ourselves in a time of reflection on the good fortunes this year has brought to us.

One of the better parts of that good fortune has been the opportunity to serve customers like you. The uMonitor family works very hard to provide the best products and services possible and takes pride in being able to offer the most innovative features on the market. With the New Year, we foresee a greater demand for better online and branch experience for your customers and staff, as well as anticipating a great need for account opening and funding and a new release in 2007 of the enhanced funds transfer service.

From our family to yours, uMonitor wishes you and your staff a happy and prosperous 2007 and look forward to serving you as your preferred financial technology solution.

Feel free to contact me or anyone here if we can be of any assistance to you at any time.

Sincerely,
Dinesh Sheth
Chief Executive Officer