Subject: "Expand Your Business [pseoz]".

Body: Expand your business! Make it easy for your customers to pay using Visa, Master Card, Discover, American Express, Debit Card and Checks via Phone/Fax/Internet. How? Through a business Merchant Account! By providing multiple methods of acceptable payment you automatically help ensure that it will be easier for them to pay you and build up trust. People DON'T want to send cash or checks via mail, because it is dangerous and gives them absolutely no guarantees whatsoever. So make it easier for your customers and setup a Merchant Account for your business. There are NO setup fees, and the monthly costs are very low. To obtain more information, please reply to this email with your name, phone number with area code, and a good time to call. You will be contacted within 10 business days by one of our staff. Thank you for your time.

Subject: "Hotel Reservations".

Body: If you are planning to attend the December 6, 2001 Drafting Committee meeting here in Columbus, Ohio and have not already made your hotel reservations please do so as soon as possible in order to get the discount AEP rate. Their discount rate for AEP is $92 per night plus tax. Apparently, they only have so many rooms with the discount rate. The hotel is Courtyard by Marriott - Downtown, 35 W. Spring St., Columbus, Ohio 43215, (614) 228-3200. I will be checking other hotels in the area to find out about discount rates and forward to you the information. Please forward any names of individuals that you know will be attending the meeting who are not listed. Please contact me if you have any questions. Thank you,

Subject: "SchwabFunds Enables Shareholder Money Funds Transactions".

Body: Dear Schwab Client: As of Thursday September 13, 2001, SchwabFunds(R) Money Funds will be open for Shareholder transactions and will continue to be open for business each day that the Federal Reserve Bank of New York (the "Fed") is open. This change to the Schwab Money Funds' business days is designed to provide shareholders the ability to access their cash investment while the New York Stock Exchange ("NYSE") remains closed. Typically, the Schwab Money Funds are open for business only on days that both the Fed and the NYSE are open.

Subject: "Canadian Forms".

Body:
Nella, Your message about the Canadian forms inspired me to visit with Mark. We were in the middle of updating the Canadian forms, and Mark just gave me a few final changes, and as soon as I make those I'll email them up to you. Actually we have two Canadian forms, the ISDA and the "Industrial".