EX-1
from SC 13D
1 page
Exhibit 1 [Letterhead of Bank Hapoalim] To: Atarey Hasharon Chevra Lepituach Vehashkaot Benadlan (1991) Ltd - Re: Loan Facility ================= at Your Request, This Letter Shall Serve to Confirm That We Have Made Available to "Atarey Hasharon Chevra Lepituach Vehashkaot Benadlan (1991) Ltd" a Short Term Loan Facility at an Annual Rate of Libor + 1.05% for the Purchase of 20,655,402 Shares of "Deltathree, Inc.". the Loan Amount for 05 July 2001 Is 16,524,321$. Yours Sincerely, Bank Hapoalim B.M. Head Office /S/ I. Shaffer /S/ Y. Shabar - I. Shaffer Y. Shabar
12/34/56
