00600374 EFTA00600375 Financial Trust Company Memo To: Cecile de Jongh From: Jermaine Ruan Cc: Emad, Cecilia. Darren Date: 2/11/05 Re: Fiber Optic Project: Meeting with S & R Telecommunications On February 9, 2005 via conference call, Emad, Robert Petersen and I discussed the options for voice over IP end Vide