Michelle Stevens 4121 Moss St. St. Petersburg, FL 59340 Dear Valued Banking Customer: We here at Florida National Bank have always promised to put you and your banking needs first. Now, we are happy to introduce a policy change that we think (81) the international transactions of our customers. Starting next month, we will begin (82) all bank fees on both incoming and outgoing wire transfers for international banking transactions. In the current economic climate, we believe it is wise to encourage our clients to deal internationally, not discourage them. This fee cancellation should do just that, and it's another example of how we're working (83) our customers. Thank you for your continued support, Dick Johnson CEO, Florida National Bank (41) A.has facilitated B.will facilitate C.facilitating D.had been facilitating