India

I appreciate the time you took yesterday getting me up to speed as to your
business and where you are in the process of establishing risk operations. I
hope you found our meeting useful as the checklist is meant to serve as an
overview of points that need to be addressed before any transactions are
entered into.

I was wondering if a meeting with Carole, Milind, Heidi, and myself has yet
been scheduled for Friday. At that time, I think we need to lay out a road
map of how the checklist items will be addressed and how I can best help you.

Regards

Shona