Institutional Account Agreement

Sara and Cheryl:

Attached is the revised institutional account agreement, black-lined to
reflect the most recent revisions, together with a clean copy. Please call
if you have any questions.

Cheryl: I have not received your mark-up of the assignment and assumption
agreement. Please resend.

Thank you,

Anna Meytina

<<IAA040201-black.doc<< <<IAA040201-clean.doc<<

- IAA040201-black.doc
- IAA040201-clean.doc
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Bear Stearns is not responsible for any recommendation, solicitation,
offer or agreement or any information about any transaction, customer
account or account activity contained in this communication.
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