From: Ian Gilbert
Sent: April 12, 2005
Subject: File No. 4-497

Dear Sir/Madam

The Australian Bankers' Association (ABA) wishes to lodge a submission to this review. It will be a relatively brief submission.

Given the time differences between Australia and the U.S. I am seeking your indulgence through your submission email address rather than telephoning.

Would you please advise whether it is still possible for the ABA to lodge a submission at this stage of the review process? We would aim to have the submission to you by the end of this week.

Thanking you in anticipation of your early favourable response,


Ian Gilbert
Director, Retail Policy
Australian Bankers' Association
Level 3, 56 Pitt Street
Sydney NSW 2000
Tel: 02 8298 0406
Mob: 0418 381 375
Fax: 02 8298 0432