Dear Royal Skandia – To Whom It May Concern, I came across an unopened letter after moving home, dated 27.6.2013 issued by Skandia International attached with a letter and a cheque of USD 2009,22. I would like to kindly ask a few questions and appreciate your kind help. 1.Is the Cheque still valid, issued by Citizens Bank ? 2.Where can I cash in the cheque, in China the local banks do not accept cheques like this, and international banks are not available. 3.My daughter lives in London, is it possible to cash in the cheque with any bank or do you have to go to a particular bank – as mentioned Citizens Bank. 4.Could I do the same procedure in Hong Kong with Standard Chartered Bank or HSBC. Truly appreciate your kind support, as I certainly do not want to lose a valuable amount of USD 2,000 hardly earned over many years of investment. Thank you in advance and do look forward to obtaining your kind response. Best regards, Damir Raab Attachment: Letter Copy attached Citizens Bank cheque Can be provided via e-mail damirraab@***.com or damirraab@***.com