<html><body><div style="color:#000; background-color:#fff; font-family:arial, helvetica, sans-serif;font-size:10pt"><div id="yiv480125672"><div><div style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; font-size: 10pt; "><div id="yiv480125672yui_3_2_0_166_135012316105154"><span></span></div><div id="yiv480125672yui_3_2_0_166_135012316105160"><span style="background-color: transparent; font-size: 10pt; ">Dear colleagues,</span><br></div><div style="font-family: arial, helvetica, sans-serif; font-size: 10pt; " id="yiv480125672yui_3_2_0_166_135012316105174" class="yiv480125672yui_3_2_0_166_135012316105172"><div style="font-family: 'times new roman', 'new york', times, serif; font-size: 12pt; " class="yiv480125672yui_3_2_0_166_1350123161051105"><div id="yiv480125672"><div style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; font-size: 10pt; "
class="yiv480125672yui_3_2_0_166_1350123161051113"><div style="font-family: arial, helvetica, sans-serif; font-size: 10pt; " class="yiv480125672yui_3_2_0_166_1350123161051117"><div style="font-family: 'times new roman', 'new york', times, serif; font-size: 12pt; " class="yiv480125672yui_3_2_0_166_1350123161051119"><div id="yiv480125672"><div style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; font-size: 10pt; " class="yiv480125672yui_3_2_0_166_1350123161051123"><div style="font-family: arial, helvetica, sans-serif; font-size: 10pt; " class="yiv480125672yui_3_2_0_166_1350123161051125"><div style="font-family: 'times new roman', 'new york', times, serif; font-size: 12pt; " class="yiv480125672yui_3_2_0_166_1350123161051127"><div id="yiv480125672"><div style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; font-size: 10pt; "
class="yiv480125672yui_3_2_0_166_1350123161051131"><div id="yiv480125672"><div style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; font-size: 10pt; " class="yiv480125672yui_3_2_0_166_1350123161051135"><div style="font-family: arial, helvetica, sans-serif; font-size: 10pt; " id="yiv480125672yui_3_2_0_27_134935829783374" class="yiv480125672yui_3_2_0_27_134935829783372 yiv480125672yui_3_2_0_166_1350123161051137"><div style="font-family: 'times new roman', 'new york', times, serif; font-size: 12pt; " class="yiv480125672yui_3_2_0_27_1349358297833105 yiv480125672yui_3_2_0_166_1350123161051139"><div id="yiv480125672"><div style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; font-size: 10pt; " class="yiv480125672yui_3_2_0_27_1349358297833113 yiv480125672yui_3_2_0_166_1350123161051143"><div id="yiv480125672"><div style="background-color: rgb(255, 255,
255); font-family: arial, helvetica, sans-serif; " class="yiv480125672yui_3_2_0_27_1349358297833119 yiv480125672yui_3_2_0_166_1350123161051147"><div id="yiv480125672yui_3_2_0_36_134846669252160" style="color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif; font-size: 13px; background-color: transparent; font-style: normal; " class="yiv480125672yui_3_2_0_27_1349358297833125 yiv480125672yui_3_2_0_166_1350123161051149"><span style="background-color:transparent;font-size:10pt;"><br></span></div><div id="yiv480125672yui_3_2_0_36_134846669252160" style="color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif; font-size: 13px; background-color: transparent; font-style: normal; " class="yiv480125672yui_3_2_0_27_1349358297833125 yiv480125672yui_3_2_0_33_1349534342112135 yiv480125672yui_3_2_0_166_1350123161051151"><span style="background-color:transparent;"><span style="font-size:10pt;">Carl Walker and I are</span> interested in putting
together a
book on personal debt. </span><span style="background-color: transparent; ">We prefer to work on a book because a</span><span style="background-color: transparent; "> book can offer the flexibility
different authors or approaches
might require. </span></div><div id="yiv480125672yui_3_2_0_36_134846669252160" style="color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif; font-size: 13px; background-color: transparent; font-style: normal; " class="yiv480125672yui_3_2_0_27_1349358297833125 yiv480125672yui_3_2_0_33_1349534342112135 yiv480125672yui_3_2_0_57_1350123161051143 yiv480125672yui_3_2_0_166_1350123161051159"><span style="background-color:transparent;font-size:13px;">With good g</span><span style="background-color:transparent;">eographical coverage, we hope the book will
expose the debt industry and the
suffering it causes across the world.</span><br></div><div style="color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif; font-size: 10pt; " id="yiv480125672yui_3_2_0_36_134846669252174" class="yiv480125672yui_3_2_0_36_134846669252172 yiv480125672yui_3_2_0_27_1349358297833141 yiv480125672yui_3_2_0_166_1350123161051161"><div style="font-family: 'times new roman', 'new york', times, serif; font-size: 12pt; " class="yiv480125672yui_3_2_0_36_1348466692521105
yiv480125672yui_3_2_0_27_1349358297833143 yiv480125672yui_3_2_0_166_1350123161051163"><div id="yiv480125672"><div style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; font-size: 10pt; " class="yiv480125672yui_3_2_0_36_1348466692521113 yiv480125672yui_3_2_0_27_1349358297833149 yiv480125672yui_3_2_0_166_1350123161051167"><div id="yiv480125672"><div style="background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; " class="yiv480125672yui_3_2_0_36_1348466692521119 yiv480125672yui_3_2_0_27_1349358297833155 yiv480125672yui_3_2_0_166_1350123161051171"><div id="yiv480125672"><div style="background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; " class="yiv480125672yui_3_2_0_217_134808086621556 yiv480125672yui_3_2_0_36_1348466692521125 yiv480125672yui_3_2_0_27_1349358297833161 yiv480125672yui_3_2_0_166_1350123161051175"><div id="yiv480125672"><div
style="background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; " class="yiv480125672yui_3_2_0_123_134708274338456
yiv480125672yui_3_2_0_217_134808086621560 yiv480125672yui_3_2_0_36_1348466692521129 yiv480125672yui_3_2_0_27_1349358297833165 yiv480125672yui_3_2_0_166_1350123161051179"><div id="yiv480125672yui_3_2_0_110_134708274338474" class="yiv480125672yui_3_2_0_110_134708274338472 yiv480125672yui_3_2_0_123_134708274338494
yiv480125672yui_3_2_0_217_134808086621566 yiv480125672yui_3_2_0_36_1348466692521135 yiv480125672yui_3_2_0_27_1349358297833167 yiv480125672yui_3_2_0_166_1350123161051181" style="font-family: arial, helvetica, sans-serif; "><div class="yiv480125672yui_3_2_0_110_1347082743384105 yiv480125672yui_3_2_0_123_134708274338496 yiv480125672yui_3_2_0_217_134808086621568 yiv480125672yui_3_2_0_36_1348466692521137 yiv480125672yui_3_2_0_27_1349358297833169 yiv480125672yui_3_2_0_166_1350123161051183" style="font-family: 'times new roman', 'new york', times, serif; "><div id="yiv480125672"><div style="background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; " class="yiv480125672yui_3_2_0_110_1347082743384113 yiv480125672yui_3_2_0_123_1347082743384104 yiv480125672yui_3_2_0_217_134808086621574 yiv480125672yui_3_2_0_36_1348466692521141 yiv480125672yui_3_2_0_27_1349358297833173 yiv480125672yui_3_2_0_166_1350123161051187"><div style="color: rgb(0, 0,
0); font-family: arial, helvetica, sans-serif; font-size: 10pt; " class="yiv480125672yui_3_2_0_110_1347082743384125
yiv480125672yui_3_2_0_123_1347082743384116 yiv480125672yui_3_2_0_217_134808086621584 yiv480125672yui_3_2_0_36_1348466692521151 yiv480125672yui_3_2_0_27_1349358297833177 yiv480125672yui_3_2_0_166_1350123161051189"><div style="font-family: 'times new roman', 'new york', times, serif; font-size: 12pt; " class="yiv480125672yui_3_2_0_110_1347082743384127 yiv480125672yui_3_2_0_123_1347082743384118 yiv480125672yui_3_2_0_217_134808086621586 yiv480125672yui_3_2_0_36_1348466692521153 yiv480125672yui_3_2_0_27_1349358297833179 yiv480125672yui_3_2_0_166_1350123161051191"><div id="yiv480125672"><div style="color: rgb(0, 0, 0); background-color: rgb(255, 255, 255); font-family: arial, helvetica, sans-serif; font-size: 10pt; " class="yiv480125672yui_3_2_0_110_1347082743384131 yiv480125672yui_3_2_0_123_1347082743384122
yiv480125672yui_3_2_0_217_134808086621590 yiv480125672yui_3_2_0_36_1348466692521157 yiv480125672yui_3_2_0_27_1349358297833183 yiv480125672yui_3_2_0_166_1350123161051195"><span style="background-color:transparent;"><font size="2"><div style="color: rgb(0, 0, 0); font-size: 13px; font-family: arial, helvetica, sans-serif; background-color: transparent; font-style: normal; " class="yiv480125672yui_3_2_0_110_1347082743384145 yiv480125672yui_3_2_0_123_1347082743384136 yiv480125672yui_3_2_0_217_1348080866215104 yiv480125672yui_3_2_0_36_1348466692521167 yiv480125672yui_3_2_0_27_1349358297833193 yiv480125672yui_3_2_0_166_1350123161051197"><span style="background-color:transparent;"><br></span></div><div style="color: rgb(0, 0, 0); font-size: 13px; font-family: arial, helvetica, sans-serif; background-color: transparent; font-style: normal; " class="yiv480125672yui_3_2_0_49_1347082743384135 yiv480125672yui_3_2_0_110_1347082743384147
yiv480125672yui_3_2_0_123_1347082743384138
yiv480125672yui_3_2_0_217_1348080866215106
yiv480125672yui_3_2_0_36_1348466692521169 yiv480125672yui_3_2_0_27_1349358297833195 yiv480125672yui_3_2_0_166_1350123161051199"><span style="background-color:transparent;"><div style="color: rgb(69, 69, 69); font-family: Arial, Helvetica, sans-serif; font-size: 12px; " class="yiv480125672yui_3_2_0_110_1347082743384149
yiv480125672yui_3_2_0_123_1347082743384140
yiv480125672yui_3_2_0_217_1348080866215108 yiv480125672yui_3_2_0_36_1348466692521171 yiv480125672yui_3_2_0_27_1349358297833197 yiv480125672yui_3_2_0_166_1350123161051201"><div><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="font-size:10pt;color:black;">For the book, any chapter that does address 2
or 3 of the following would fit. We are particularly interested in points 2 and 3.</span></div></div></div><div style="color: rgb(69, 69, 69); font-family: Arial, Helvetica, sans-serif; font-size: 12px; " class="yiv480125672yui_3_2_0_110_1347082743384155 yiv480125672yui_3_2_0_123_1347082743384146 yiv480125672yui_3_2_0_217_1348080866215114 yiv480125672yui_3_2_0_36_1348466692521177 yiv480125672yui_3_2_0_27_1349358297833203 yiv480125672yui_3_2_0_166_1350123161051207"><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="font-size:10pt;color:black;"> </span></div></div><div style="color: rgb(69, 69, 69); font-family: Arial, Helvetica, sans-serif; font-size: 12px; " class="yiv480125672yui_3_2_0_110_1347082743384159 yiv480125672yui_3_2_0_123_1347082743384150 yiv480125672yui_3_2_0_217_1348080866215118 yiv480125672yui_3_2_0_36_1348466692521181 yiv480125672yui_3_2_0_27_1349358297833207
yiv480125672yui_3_2_0_166_1350123161051211"><div><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="font-size:10pt;color:black;">1. Describe extent and
problem in a given
context</span></div></div><div><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="font-size:10pt;color:black;">2.<span class="yiv480125672apple-tab-span"> </span>Describe bank or institutional strategies and
tactics</span></div></div><div><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="font-size:10pt;color:black;">3.<span class="yiv480125672apple-tab-span"> </span>What is the psychological impact?</span></div></div><div><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="font-size:10pt;color:black;">4.<span class="yiv480125672apple-tab-span"> </span></span><span style="color:black;">How does psychology serve debt?</span><span style="font-size:10pt;color:black;"></span></div></div><div><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="font-size:10pt;color:black;">5.</span><span class="yiv480125672apple-tab-span"><span style="color:black;"> </span></span><span style="color:black;">How can the cycle of debt be distrupted?</span><span style="font-size:10pt;color:black;"></span></div></div><div><div
class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="font-size:10pt;color:black;"> </span></div></div><div style="color: black; font-size: 10pt; font-family: Arial, Helvetica, sans-serif; background-color: transparent; font-style: normal; " class="yiv480125672yui_3_2_0_110_1347082743384185 yiv480125672yui_3_2_0_123_1347082743384176 yiv480125672yui_3_2_0_217_1348080866215144 yiv480125672yui_3_2_0_36_1348466692521207 yiv480125672yui_3_2_0_27_1349358297833233 yiv480125672yui_3_2_0_166_1350123161051237"><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="background-color: transparent; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif; font-size: 13px; " class="yiv480125672yui_3_2_0_110_1347082743384291 yiv480125672yui_3_2_0_123_1347082743384282 yiv480125672yui_3_2_0_217_1348080866215216 yiv480125672yui_3_2_0_36_1348466692521305
yiv480125672yui_3_2_0_27_1349358297833337
yiv480125672yui_3_2_0_166_1350123161051347">We'd like to include
chapters on the debt industry in Australia. If you are interested, please contact me for details.</span></div><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="background-color: transparent; color: rgb(0, 0, 0); font-family: arial, helvetica, sans-serif; font-size: 13px; " class="yiv480125672yui_3_2_0_110_1347082743384293 yiv480125672yui_3_2_0_123_1347082743384284 yiv480125672yui_3_2_0_217_1348080866215218 yiv480125672yui_3_2_0_36_1348466692521307 yiv480125672yui_3_2_0_27_1349358297833339 yiv480125672yui_3_2_0_166_1350123161051349"><br></span></div><div class="yiv480125672MsoNormal" style="padding:0px;background-color:white;"><span style="background-color: transparent; font-family: arial, helvetica, sans-serif; " class="yiv480125672yui_3_2_0_166_1350123161051351">Regards,</span><br></div></div></div></span></div><div style="color: rgb(0, 0, 0); font-size: 13px; font-family: arial, helvetica, sans-serif;
background-color: transparent; font-style: normal; " class="yiv480125672yui_3_2_0_110_1347082743384197 yiv480125672yui_3_2_0_123_1347082743384188
yiv480125672yui_3_2_0_217_1348080866215156
yiv480125672yui_3_2_0_36_1348466692521219 yiv480125672yui_3_2_0_27_1349358297833245 yiv480125672yui_3_2_0_166_1350123161051245"><span style="font-size:13px;background-color:transparent;">. </span><span style="font-size:13px;background-color:transparent;"> </span><br></div><div><div style="font-size:13px;"><font size="1" face="verdana, helvetica, sans-serif"><b><span class="yiv480125672yui_3_2_0_2_131963988503571 yiv480125672yui_3_2_0_60_135012316105195 yiv480125672yui_3_2_0_166_1350123161051359" style="font-family: Arial; font-size: 10pt; ">Prof. Dr. Serdar M. Degirmencioglu</span></b><span class="yiv480125672yui_3_2_0_60_135012316105197 yiv480125672yui_3_2_0_166_1350123161051361" style="font-family: Arial; font-size: 10pt; "></span></font></div><div style="font-size:13px;"><font><div class="yiv480125672MsoNormal yiv480125672yui_3_2_0_60_135012316105167 yiv480125672yui_3_2_0_166_1350123161051253" style="font-family: verdana, helvetica,
sans-serif; font-size: x-small; margin: 0cm 0cm 0pt; "><span class="yiv480125672yui_3_2_0_60_135012316105199 yiv480125672yui_3_2_0_166_1350123161051363" style="font-family: Arial; font-size: 8pt; "> </span></div><div class="yiv480125672MsoNormal yiv480125672yui_3_2_0_60_135012316105169 yiv480125672yui_3_2_0_166_1350123161051255" style="font-family: verdana, helvetica, sans-serif; font-size: 10px; margin: 0cm 0cm 0pt; "><span class="yiv480125672yui_3_2_0_60_1350123161051101 yiv480125672yui_3_2_0_166_1350123161051365" style="font-family: Arial; font-size: 8pt; ">Postal address: </span><span lang="TR" class="yiv480125672yui_3_2_0_60_1350123161051103 yiv480125672yui_3_2_0_166_1350123161051367" style="font-family: Arial; font-size: 8pt; ">P.K. 18, Goztepe, 34730 Istanbul, Turkey</span><span class="yiv480125672yui_3_2_0_60_1350123161051105 yiv480125672yui_3_2_0_166_1350123161051369" style="font-family: Arial; font-size: 8pt; "></span></div><div
class="yiv480125672MsoNormal yiv480125672yui_3_2_0_60_135012316105171 yiv480125672yui_3_2_0_166_1350123161051257" style="font-family: verdana, helvetica, sans-serif; font-size: 10px; margin: 0cm 0cm 0pt; "><span class="yiv480125672yui_3_2_0_60_1350123161051107 yiv480125672yui_3_2_0_166_1350123161051371" style="font-family: Arial; font-size: 8pt; ">Phone: 90 - 533 - 341 3588</span></div><div class="yiv480125672yui_3_2_0_60_135012316105175 yiv480125672yui_3_2_0_166_1350123161051259" style="font-family: verdana, helvetica, sans-serif; font-size: 10px; "><br></div></font></div></div></font></span></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div> </div> </div> </div></div></div></div></body></html>