Harnessing the Grid

Mr. Jose Diaz, President

R-G Premier Bank R-G Tower #290

Jose T. Pineiro, San Juan, Puerto Rico 00918

Subject: Enrichment of R-G Premier Bank Assets

Dear Mr. Diaz:

It is my pleasure to inform you that the Atlas Monetary International Trust (“AMIT” or the “Trust”) is in the process of taking action to increase the value of R-G Premier Bank’s (“R-G Bank”) assets to the benefit of all the shareholders and management of the Bank. More specifically, AMIT will be bringing in several million members of the Teamsters’ Union and the UAW for participation in AMIT’S Triple Crown Program representing several billion dollars in deposits, plus a deposit of the Trust’s gold and silver currently valued at $743 million and Trust funding of several hundred million dollars from partners in solar energy, fertilizer and agricultural projects in the U.S., India and numerous other countries under private and U.N. programs. As a part of this, the Trust will immediately initiate a program to build a 70 MW solar power plant ($230 million) in Roosevelt Roads for Puerto Rico power and a 20 MW power plant ($70 million) in Barstow, CA, financed through the Bank, plus the manufacture of a Vacuum Skimmer System in Roosevelt Roads to clean up the Gulf oil spill covered by BP Oil Co. ‘s long term liability payment of several billion dollars through R-G Bank.

The consequence of these actions will make R-G Premier Bank one of the World’s leading banks. This will be further enhanced by the Trust’s completed acquisition of Roosevelt Roads Naval Base in Ceiba with its highly secure Precious Metal Depository supporting the Bank’s operations, which has already created worldwide interest and expressions of intent to open accounts at R-G Bank. In addition, the Trust’s operations and those of its partners will create several hundred thousand jobs in Puerto Rico over the next ten years and renew and protect the environment with clean renewable energy power plants, eliminating Puerto Rico’s dependency on oil.

Perhaps you are aware that on or about October 20, 2008, AMIT’s Trustees, Mr. Bob Andes and Mr. Randall Uselman met with Mr. Victor Galan in Puerto Rico to arrange for the acquisition of 54% of the R-G Financial Corp. (“R-G”) stock from Mr. Galan in behalf of the Atlas Holding Corp., an AMIT subsidiary. The Trust is now ready to complete that transaction by installing three new Board members to R-G’s Board, all Trustees of AMIT, which will concurrently open its accounts at the Bank.

We have received unsupported word that the FDIC had taken over R-G Bank and “gave” R-G Bank to Nova Scotia or Scotia Bank, unbeknownst to the R-G shareholders. We would like to call your attention to the fact that such action is illegal according to U.S. Federal laws under the FDIC Bank Holding Act as it relates to acquisitions of bank shares or assets. Any parties participating in such a give away without shareholder approval would have entered into a conspiracy to commit fraud, for which the shareholders would be compelled to file a criminal lawsuit against all parties, including the FDIC. This matter has created a lot of uncertainty on the long-term stability of

R-G Bank and the willingness of AMIT and our partners to do business with R-G Bank.

Therefore, in order for us to proceed with our business affairs in Puerto Rico to create the new businesses and the related jobs, we request that you and the Chairman of R-G Bank send us a notarized letter signed by you and the Chairman of R-G Bank to assure us of the long term stability of the Bank and the non-interference with AMIT’s plans to enhance the Bank’s assets and the growth of its business with the economic growth advantage to Puerto Rico. AMIT is committed to the economic development of Puerto Rico based on the legacy of Howard Hughes. This legacy is documented on the Trust’s website www.harnessingthegrid.com , which includes the development plans for Roosevelt Roads and the creation of numerous companies, jobs and infrastructure in Puerto Rico. We are advised that the Governor and the Municipality of Ceiba are all waiting for us to arrive in Puerto Rico to initiate this program.

Therefore, we expect to be in Puerto Rico the week after the 4^th of July with some of our partners and wish to receive your letter of assurance prior to our arrival. We look forward to meeting with you and the Chairman at that time to establish a cordial relationship. Thank you for your cooperation in this matter.

Respectfully yours,

Andrew J. Cipollo

Irrevocable Trustee

P.S.

Please send your letter of assurance to:

Atlas Monetary International Trust

c/o Mr. Stanley R. Spector

AMIT Advisor

14432 Dunbar Place

Sherman Oaks, CA 91423

For reference only:

(818) 789-1757