Subject: "act".

Body: Richard sorry didn't make meeting....tied up on CNCC "closing"...(this has been closing for weeks). We should briefly discuss..maybe tomorrow...and definitely prior to the forthcoming german visit. John

Subject: "Get Out of Debt NOW! [65jzt]".

Body: GET RID OF DEBT - NOW and FOREVER! IT'S JUST A PHONE CALL AWAY! Get a FREE QUOTE On Consolidating Your Bills * Drastically Reduce Your Interest Rates! * Stop Creditors From Harassing You! * Slash Your Monthly Payments in Half! WE HAVE HELPED THOUSANDS OF PEOPLE JUST LIKE YOU! WE CAN DO THE FOLLOWING FOR YOU: Drastically lower your interest rates One easy monthly payment Get your peace of mind back again Simply send your NAME: ADDRESS: CITY/STATE: PHONENUMBER:(H) (W) BEST TIME TO CALL: AMOUNT OF DEBT: (All information is strictly confidential) To be removed from our lists please hit reply and type remove in the subject line. Thank you

Subject: "Proposed Addition to Enfolio Firm General Terms & Conditions".

Body: Debra, as we discussed, here is credit assurances language that Select proposes to add to the Firm GTC, in addition to the other changes requested by Select on 10/15/01. Credit Assurances. If either party (Party A) has reasonable grounds to believe that the other party's (Party B) creditworthiness or performance under this Firm GTC has become unsatisfactory, Party A will provide Party B with written notice requesting Performance Assurance in an amount determined by Party A in a commercially reasonable manner. Upon receipt of such notice Party B shall have three (3) Business Days to remedy the situation by providing such Performance Assurance to Party A. In the event that Party B fails to provide such Performance Assurance, or a guaranty or other credit assurance acceptable to Party A within three (3) Business Days of receipt of notice, then an Event of Default will be deemed to have occurred and Party A will be entitled to the remedies set forth in Section 3 of this Firm GTC.

Subject: "2- SURVEY/INFORMATION EMAIL 5-17-01".

Body:
Current Notes User: To ensure that you experience a successful migration from Notes to Outlook, it is necessary to gather individual user information prior to your date of migration. Please take a few minutes to completely fill out the following survey. Double Click on document to put it in "Edit" mode. When you finish, simply click on the 'Reply With History' button then hit 'Send' Your survey will automatically be sent to the Outlook 2000 Migration Mailbox. Thank you.