The Changes described below in your Account Agreement will apply to
any existing balances as well as new Purchases, Cash Advances and
Balance Transfers and become effective with your Billing Cycle that
ends on or after 8/1/01. These terms and conditions will be in
effect as long as your Account has a balance.

General
This NextCard(R) Account Agreement and Disclosure Statement
("Agreement") contains the terms and conditions which govern your
NextCard Visa(R) (or MasterCard(R)) Account ("Account") which is
issued by NextBank, N.A., Phoenix, AZ.
	This Agreement includes this document and the terms provided in
the Supplemental Disclosure enclosed with this document and the
card carrier accompanying your Card, and any amendments thereto.
The Supplemental Disclosure includes your Account Annual Percentage
Rates. Please read this Agreement carefully, including the section
on Finance Charges, and keep it for your records.
	In this Agreement, the word "Card" means the credit card(s) issued
to you. The words "you," "your" and "yours" refer to each person
who has been approved for this Account. The words "we," "our" or
"us" refer to NextBank, N.A., or its assignees. In addition, the
words "Transaction Date" refer to the date the goods or services
were purchased or the date the Cash Advance was made. The words
"Posting Date" refer to the date that the charge was debited and/or
credited to your Account.
	By applying for this Account, you agree to the terms and
conditions provided in this Agreement, including the Supplemental
Disclosure. You agree to sign your Card as soon as you receive
it.

Liability
	You become bound by this Agreement when you use your Card or
Account. You are also bound by this Agreement for the use of your
Card or Account number by any person who has been given authority
by you to use your Card or Account number. If you authorize another
person to use your Card, such authority will extend until such time
as we have retrieved the Card or you have received the Card back.

Using Your Card and Account
	You may use your Card to purchase goods or services wherever your
Card is honored; you may also use your Account to initiate the
transfer of balances from other credit cards to your Account.
NextCard reserves the right, however, to refuse transactions
initiated by other credit card issuers or merchants at our
discretion.  You may obtain Cash Advances on your Card from
financial institutions and automated teller machines that accept
your Card. In addition, you may use Convenience Checks that we may
provide to you from time to time. These checks may not be used to
make payments on this or any other account with us.  Your Card and
Account may only be used for valid and lawful purposes. You may use
your Account for Balance Transfers, by which you pay off other
credit card outstanding balances. Balance Transfers may include
initial and promotional offers.	We have no responsibility for any
refusal to honor your Card or the Convenience Checks we provide,
nor for the retention of your Card by any financial institution or
merchant.

Promise to Pay
	You promise to pay the total amount of the Purchases, Cash
Advances and Balance Transfers made with your Card or Account. You
also promise to pay any Finance Charges or other charges described
herein; and any costs incurred by us in enforcing this Agreement,
including reasonable attorneys' fees and court costs. "Attorneys'
fees" includes the cost to us of the services of our in-house
counsel.  If you close your account, you must notify us in writing
and must still pay all amounts you owe us and will be responsible
for any charges that you authorized prior to closing your account.
If there is a membership fee for your account, the fee will
continue to be charged, as permitted by law, until the account
balance has been paid in full.

Personal Identification Number
	After your Account is opened, we may issue you a Personal
Identification Number ("PIN") which you may use with your Card to
obtain Cash Advances on your Account at any automated teller
machine in any system or network of which we are a member, or to
make purchases at any designated point of sale machine. You may use
your Card and PIN at an automated teller machine to obtain Cash
Advances of up to $300 per day, up to your available Credit Limit
for Cash Advances. There will be no charge for the issuance of a
PIN. (Other banks' automated teller machines may have lower Cash
Advance limits or may assess surcharges.)

Statements
	You can access your Account information and Statements online. In
addition, we will send or deliver to you a Statement at the end of
each billing period (intervals of approximately one month called
"Billing Cycles") if there is a debit or credit balance on your
Account of $1 or more, or a balance on which a Finance Charge has
been assessed. Upon your request or approval, we may deliver your
statement electronically.

Payment
	All payments must be made in U.S. Dollars and delivered, or mailed
to us at the address shown on your Statement. Payments by check
must be drawn on a U.S. bank. Due to processing requirements, any
payment we receive after 11:00 a.m. Pacific Time will be considered
received the following business day.  You must pay at least the
Minimum Payment Due shown on your Statement by the Payment Due Date
- approximately 20 to 25 days after the Statement Closing Date - to
avoid delinquency. If your payment is more than the Minimum Payment
Due, it will be treated as a single payment and none of it will be
applied to future Minimum Payments Due. We may apply payments to
amounts owing on your Account at our sole discretion and are not
required to do so in a manner that reduces the Finance Charges you
must pay. Payments may also be made via the NextCard online bill
payment system. For details on using the NextCard online bill
payment feature, please go to My.NextCard.com.
	For information regarding your Minimum Payment Due each month, see
the Supplemental Disclosure to this Account Agreement.

Credit Limit
	The total amount of Cash Advances (including drafts, if available,
withdrawals from ATMs, originations from the Card itself, and
cash-like transactions, including but not limited to, wire
transfers, money orders, foreign currency, lottery tickets, funds
used for wagers or gambling, and money transfers using certain
internet payment systems, and this includes all transactions
identified to us as having been made by a merchant or service
provider in such categories) you can receive at any time is shown
on your monthly statements and is designated as your "Total Credit
Limit for Cash Advances". You agree not to permit your unpaid Cash
Advance balance to exceed this limit. If you currently exceed, or
once you reach this limit, you will not be eligible for additional
Cash Advances until your unpaid Cash Advance balance is below this
limit. At this time, you may access the amount of the difference
between your unpaid Cash Advance balance and your Cash Advance
Credit Limit.  We may change your Cash Advance Credit Limit at any
time, and we will notify you of any such change. We reserve the
right to delay increasing your available credit for up to 14 days
if we consider it necessary to verify payments received on your
Account.  This change will not affect how promptly payments are
posted to your Account for purposes of determining Finance Charges,
late fees or delinquency.

FINANCE CHARGES
	The types of Finance Charges that may be assessed on your Account
are as follows:  Periodic Finance Charges; Transaction Finance
Charges; Annual Membership Fee Finance Charges; Rewards Fee Finance
Charges; and PictureCard Fee Finance Charges. Your total Finance
Charge each Billing Cycle is the sum of each type of Finance
Charges.
	We calculate Periodic Finance Charges separately for Purchases,
Cash Advances and Balance Transfers. To determine the Periodic
Finance Charge, we apply the Daily Periodic Rates for Purchases,
Cash Advances and Balance Transfers to the daily balance of
Purchases, Cash Advances and Balance Transfers. The sum of these
daily calculations for each day in the Billing Cycle is the total
Periodic Finance Charge for the Billing Cycle. The Daily Periodic
Rates for your Account are the corresponding Annual Percentage
Rates that currently may apply divided by 365.
	To determine your daily balance of Purchases, Cash Advances and
Balance Transfers we start with the outstanding balance at the
beginning of the day including any Periodic Finance Charges
calculated on the previous day's balance, add any new Purchases,
Cash Advances and Balance Transfers or other debits for the day and
then subtract any payments or credits applied to Purchases, Cash
Advances and Balance Transfers that day. This gives us the separate
daily balances for Purchases, Cash Advances and Balance
Transfers.
	Purchases, Cash Advances and Balance Transfers are included in
your daily balances as of either the transaction date or the
beginning of the Billing Cycle in which they are posted to your
Account, whichever is later.
	Periodic Finance Charges for Purchases, Cash Advances and Balance
Transfers for a day are added to the daily balances of Purchases,
Cash Advances and Balance Transfers at the end of the day and
included in the beginning balances for the next day.
Other Charges, Annual Membership Fee Finance Charges, Rewards Fee
Finance Charges and PictureCard Fee Finance Charges are added to
the daily balance of Purchases when posted. Transaction Finance
Charges are added to the daily balance of Cash Advances when
posted.
	For each Cash Advance transaction, including but not limited to,
each Cash Advance obtained through a financial institution or ATM,
or each cash-like transaction, such as the purchase of wire
transfers, money orders, travelers checks, lottery tickets, funds
used for wagers or gambling, and money transfers using internet
payment systems, and this includes all transactions identified to
us as having been made by a merchant or service provider in such
categories, we may assess a Transaction Finance Charge equal to 3%
of the amount of the advance, but not less than $5.00.  A
Transaction Finance Charge is included in the calculation of the
Annual Percentage Rate shown on your Statement; therefore, for any
Billing Cycle in which you have drawn a Cash Advance or used a
Convenience Check, the Annual Percentage Rate that will appear on
your Statement may be higher than the Annual Percentage Rate
described in the disclosures provided to you.
	NextCard offers optional Rewards Programs and an optional
PictureCardSM Program. Refer to the Supplemental Disclosure for
details regarding these programs.
	In any Billing Cycle in which there is a Finance Charge, the
minimum Finance Charge will be $1.00.

Grace Period
	Purchases, Cash Advances and Balance Transfers accrue Periodic
Finance Charges from the date they are included in your Daily
Balance until paid. However, Periodic Finance Charges are not
assessed in a Billing Cycle on Purchases if you paid in full the
New Balance, if any, shown on your previous statement by the
Payment Due Date shown on that statement or if that New Balance was
a zero or credit balance.

Other Charges
	Your Account also has the following other fees and charges ("Other
Charges"):
	There may be an Annual Fee on your Account. Refer to the
Supplemental Disclosure for details regarding the Annual Fee.
	Late Fee: We will add a fee in the amount shown in the
Supplemental Disclosure to this Agreement to the balance on your
Account for each Billing Cycle you fail to make the Minimum Payment
Due by the Payment Due Date.
	Overlimit Fee: We will add a fee in the amount shown in the
Supplemental Disclosure to this Agreement to the balance on your
Account any time you exceed your Total Credit Limit during a
Billing Cycle.
	Returned Payment Fee: You agree to pay $29.00 for each check,
draft or automatic payment ("Payment Order") issued by you as a
payment on your Account which fails to clear and is returned
unsatisfied by your financial institution. We may post this charge
to your Account even if we re-present your Payment Order, and even
if the Payment Order is paid upon re-presentment.
	Document Retrieval Fee: If a copy of any statement, sales draft or
similar document is provided by us at your request (except in
connection with a billing error inquiry or dispute), we may charge
$5.00 for each document copy and a research fee of $15 per hour if
extensive investigation is required.

Authorized Users
	You may request and, at our discretion, we may provide an
additional Card on this Account for use by an individual you
authorize ("Authorized User"). You may also make a single request
for a new Card ("Replacement Card") for you or an Authorized User
on this Account. In addition, we may periodically send you
substitute Card(s) for your use. Cards issued in any of these ways
are not subject to service charges. However, if you have previously
requested a single Replacement Card, we may charge a Card
Replacement Fee of $15 for any additional Card(s) you request.

Default and Immediate Payment
	You will be in default and we can require immediate payment of all
amounts you owe if:  you provide inaccurate or incomplete
information when you apply for your Account or thereafter; you fail
to make the Minimum Payment Due on your Account by the Payment Due
Date; your balance amount exceeds your Credit Limit; your
outstanding Cash Advance Balance exceeds your Cash Advance Credit
Limit, if applicable; you fail to pay your other debts or
obligations; you fail to abide by any term or condition of this
Agreement; we believe, in good faith, that you may not be able to
meet the obligations of this Agreement; or, upon your death. If you
are in default or we have reason to doubt your creditworthiness
(for example, you have a returned payment for any reason) we may,
without notice or demand for payment, terminate your right to
obtain any additional credit.  You also agree to notify us promptly
upon any change in name, address (including phone number), employer
(including phone number), or email.

Termination
	We may suspend or terminate your rights to obtain credit at any
time for any reason. Your obligations under this Agreement will
continue even after your rights to obtain credit have been
suspended or terminated.

Not Secured Credit
	Your Account is not secured credit. We have no security interest
in any transaction you make with this Card, regardless of any other
agreement you may have with us.

Foreign Currencies
	Depending on whether your Card is a Visa or MasterCard, if you
charge a transaction in a foreign currency, the transaction will be
converted into a U.S. dollar amount by Visa or MasterCard based on
their operating procedures and regulations. Generally, currency
conversions are made using either a government-mandated rate or
wholesale market rate in effect one day prior to the Processing
Date, increased by an adjustment factor established from time to
time by Visa or MasterCard. We increase this currency conversion
rate by 2%. The currency conversion rate in effect on the
Processing Date may differ from the rate in effect on the
Transaction Date or the Posting Date. Additionally, for any Card
transaction which occurs (regardless of where you initiate the
transaction) in U.S. dollars outside the United States, we will add
a fee of 2% of the amount of the transaction, but not less than
$3.00.

Unauthorized Use
	You must contact us immediately at 1-877-744-4417 (from overseas,
you may call us at 1-918-497-1629) if your Card is lost or stolen
or if you suspect unauthorized use of your Account. We may
investigate any cases of unauthorized use of your Card or Account.
If you report or we suspect unauthorized use of your Card or
Account, we may suspend your credit privileges until we resolve the
problem to our satisfaction or issue you a new Card.
	You agree to sign each Card upon receipt. You agree to safeguard
the Card, your PIN, which provides access to automated teller
machines, and Password, which provides Internet access, from theft.
You agree to keep your PIN and Password confidential and separate
from your Card.
	If an unauthorized transaction occurs on your Account or your
Account number is obtained over the Internet and subsequently used
for unauthorized transactions, you will not be liable for those
transactions.

If You Close Your Account
	You can close your Account by notifying us in writing at NextCard,
P.O. Box 60610, Phoenix, AZ 85082-0610.  If you close your Account,
you must still pay all amounts you owe us and you will be
responsible for any charges that you authorized.  You must destroy
all Cards and all Convenience Checks, cancel all preauthorized
billing arrangements and cease using your Account.  Refer to the
Supplemental Disclosure for details regarding the Annual Percentage
Rate on the remaining amount you owe.

Updating Your Account Information
	From time to time, we may obtain updated credit information from a
credit reporting agency. You are hereby notified that a negative
credit report reflecting on your credit record may be submitted to
a credit reporting agency if you fail to fulfill the terms of your
credit obligation. If you believe we have reported inaccurate
information about you to a credit bureau, please notify us at the
address appearing on your statement.
	We may share information regarding our experiences or transactions
with you or your Account with others, including merchants and
companies affiliated with us by common control or ownership (our
"Affiliates"). We may also share additional information regarding
you or your Account (such as information from credit reporting
agencies) with our Affiliates. You can request that we do not
furnish to our Affiliates information that does not relate to our
experiences or transactions with you or your Account by calling us
at 1-888-974-2265. You can also request that we do not share
information about you for marketing purposes with unaffiliated
parties by contacting us at 1-888-974-2265.

Amendments and Assignments
	After we provide you any notice required by law, we may change any
part of this Agreement and add, remove or alter requirements. IF A
CHANGE IS MADE TO THIS AGREEMENT, YOU AGREE THAT, FROM THE
EFFECTIVE DATE OF THE CHANGE, THE NEW TERMS, INCLUDING ANY NEW OR
INCREASED Finance Charges, WILL APPLY BOTH TO ANY NEW CHARGES TO
YOUR ACCOUNT AND TO YOUR ENTIRE OUTSTANDING BALANCE, INCLUDING
ITEMS POSTED TO YOUR ACCOUNT BEFORE THE EFFECTIVE DATE OF CHANGE.
We also reserve the right to review your creditworthiness from time
to time, including your performance with other creditors, and to
change the terms of your Account based on that review. You agree
that we may assign your Account and any amounts that you owe us to
another entity or person at any time, with or without notice to
you.

Dispute Resolution
	IT IS IMPORTANT THAT YOU READ THIS ENTIRE SECTION CAREFULLY.  THIS
SECTION PROVIDES FOR RESOLUTION OF DISPUTES THROUGH FINAL AND
BINDING ARBITRATION BEFORE A NEUTRAL ARBITRATOR INSTEAD OF IN A
COURT BY A JUDGE OR JURY OR THROUGH A CLASS ACTION.

The Dispute Resolution Provision will become effective for disputes
which are not part of a lawsuit 45 calendar days after the
Statement Date on the enclosed billing statement (the 65th day if
you live in Iowa*, the 95th day if you live in Wisconsin, or the
130th day if you live in Texas), unless we receive prior to then a
letter from you stating that you do not want the Dispute Resolution
provision to become part of the Agreement.  The letter must be
addressed to NextCard, P.O. Box 60610, Phoenix, AZ 85082-0610.  It
must contain your name, address and your Account number. It must be
signed by you.  If we receive such a letter on time, the Dispute
Resolution provision will not become part of the Agreement, and the
status of your Account will be unaffected by your rejection of the
Dispute Resolution provision.

*SPECIAL NOTICE FOR IOWA RESIDENTS:  The Dispute Resolution
Provision
will only become effective for disputes which are not part of a
lawsuit if you use your Account at least sixty five(65)calendar
days after the Statement Date on the enclosed billing statement."

THE DISPUTE RESOLUTION PROVISION SET FORTH IN YOUR ACCOUNT
AGREEMENT MAY SUBSTANTIALLY LIMIT OR AFFECT YOUR RIGHTS.  PLEASE
READ IT CAREFULLY AND KEEP IT FOR YOUR RECORDS.

*SPECIAL NOTICE FOR IOWA RESIDENTS:  The Dispute Resolution
Provision will only become effective if you use your Account at
least sixty five (65)calendar days after the Statement Date on the
enclosed billing statement."

BINDING ARBITRATION.  Arbitration is a method of deciding disputes
outside the court system.  This Provision governs when and how any
disputes you and we may have will be arbitrated instead of decided
in court.  The arbitration process established by this section is
governed by the Federal Arbitration Act ("FAA") (9 U.S.C. Sections
1 and following).  You have the right to take any dispute that
qualifies to small claims court rather than to arbitration.  All
other disputes (whether based in contract, tort, statute, fraud,
misrepresentation or any other legal or equitable theory) arising
out of or related to this Agreement, including  events leading up
to you becoming an Account holder and disputes about whether this
Provision is valid or binding or about whether or when the
Provision applies and disputes about wrongful acts of every kind,
must be resolved by final and binding arbitration.  This includes
any dispute based on any product, service, or advertising having a
connection with this Agreement and any dispute not finally resolved
by a small claims court.

The arbitration will be conducted by one arbitrator using the
procedures described in this Provision.  The arbitration of any
dispute involving $10,000 or less shall be conducted in accordance
with the Consumer Arbitration Rules of the American Arbitration
Association ("AAA"), as modified by this Agreement, which are in
effect on the date a dispute is submitted to the AAA.  The AAA's
Commercial Arbitration Rules and fee schedules will apply to any
disputes in excess of $10,000.  The arbitrator shall not apply
federal, state, or local rules of procedure and evidence or state
or local laws concerning arbitration proceedings.  The arbitrator
must follow the FAA, the substantive law, statutes of limitations
and claims of privilege recognized at law.  You have the right to
be represented by counsel in an arbitration.  In making an award,
the arbitrator shall be bound by and strictly enforce the terms of
this Agreement and may not limit, expand, or otherwise modify its
terms.  The arbitrator shall be a lawyer with more than ten years
experience or a retired or former judge.  Our address for service
of process under this Provision is NextCard, P.O. Box 60610,
Phoenix, AZ 85082-0610.

NO DISPUTE MAY BE JOINED WITH ANOTHER LAWSUIT, OR IN AN ARBITRATION
WITH A DISPUTE OF ANY OTHER PERSON, OR RESOLVED ON A CLASS OR
REPRESENTATIVE (SUCH AS A PRIVATE ATTORNEY GENERAL) BASIS.  THE
ARBITRATOR MAY NOT AWARD DAMAGES THAT ARE NOT EXPRESSLY AUTHORIZED
BY THIS AGREEMENT AND MAY NOT AWARD PUNITIVE DAMAGES OR ATTORNEYS'
FEES UNLESS SUCH DAMAGES ARE EXPRESSLY AUTHORIZED BY A STATUTE.
YOU AND NEXTCARD BOTH WAIVE ANY CLAIMS FOR AN AWARD OF DAMAGES THAT
ARE EXCLUDED UNDER THIS AGREEMENT.

ARBITRATION PROCEDURES.  Before you take disputes to arbitration or
small claims court, you must first contact our customer account
representatives at the number on your account statement or write to
us at NextCard, P.O. Box 60610, Phoenix, AZ 85082-0610 and give us
an opportunity to resolve the dispute.  Similarly, before NextCard
takes a dispute to arbitration, we must first attempt to resolve it
by contacting you.  If the dispute cannot be satisfactorily
resolved within sixty days from the date you or NextCard is
notified by the other of the dispute, then either party may contact
the AAA in writing at 335 Madison Avenue, New York, NY 10017 and
request arbitration of the dispute.  Information about the
arbitration process and the AAA's Arbitration Rules and its fees
are available from the AAA on the internet at www.adr.org.

The arbitration will be based only on the written submission of the
parties and the documents submitted to the AAA relating to the
dispute, unless either party requests that the arbitration be
conducted using the AAA's telephonic, on-line or in-person
procedures.  Additional charges may apply for these procedures.
Any in-person arbitration will be conducted at a location that the
AAA selects in the state of your primary residence.  A party who
has asserted a dispute in a lawsuit may still elect arbitration for
any part or all of the dispute that is asserted in the lawsuit.
All doubts about whether to arbitrate all or any part of a dispute
shall be resolved in favor of arbitration.  The arbitrator shall
apply applicable substantive law consistent with the FAA and
provide written reasoned findings of fact and conclusions of law.
The arbitrator's award shall not be subject to appeal except as
permitted by the FAA.  Judgment on the award may be entered in any
court having jurisdiction.  Any arbitration shall remain
confidential.  Neither you nor NextCard may disclose the existence,
content, or results of any arbitration or award, except as may be
required by law, or to confirm or enforce an award.

ANY CLAIM OR DISPUTE ARISING OUT OF OR RELATING TO THIS AGREEMENT
MUST BE BROUGHT WITHIN TWO YEARS AFTER THE DATE THE BASIS FOR THE
CLAIM OR DISPUTE FIRST ARISES.

FEES AND EXPENSES OF ARBITRATION.  You must pay the applicable AAA
filing fee when you submit your written request for arbitration to
the AAA.  The AAA's filing fee and administrative expenses for a
document arbitration will be allocated according to the AAA's
Rules.  On any dispute you file, you will pay at least $50 of the
filing fee.  If you cannot afford to pay the fees charged by the
AAA and the arbitrator or if you believe that such fees are too
high, we will consider any reasonable written request by you to pay
the fees.  If you elect an arbitration process other than a
document (or "desk") arbitration, you must pay your allocated share
of any higher administrative fees and costs for the process you
select.  We will pay any fees or expenses we are required to pay by
law.  Each party must bear the expense of that party's attorneys,
experts and witnesses, regardless of who wins the arbitration,
except to the extent that applicable law or the AAA's Rules provide
otherwise.  The prevailing party, however, may seek to recover
AAA's fees and the expenses of the arbitrator from the other party.

MISCELLANEOUS.  This arbitration Provision shall survive any
suspension or termination of your Account, as well as the repayment
of all amounts borrowed under this Agreement.  If there is any
conflict or inconsistency between this Provision and the AAA's
Rules or other Provisions of this Agreement, this Provision will
govern.  If any portion of this Dispute Resolution is determined to
be unenforceable, the remainder shall, nevertheless, remain
enforceable.

Governing Law
	This Agreement is governed by the laws of the State of Arizona and
by any applicable federal laws no matter where you live. You agree
that any litigation brought by you against us regarding this
Account or this Agreement shall be brought in a state or federal
court located in the State of Arizona. If any part of this
Agreement is found to be invalid, the rest remains effective.

General Information
	No delay or failure in enforcing our rights under this Agreement
will prejudice any of our rights hereunder. If you default, unless
prohibited by applicable law, we may require you to pay all
collection costs, including reasonable attorneys' fees and court
costs. Our failure to exercise any of our rights when you default
or exercise other of our rights does not mean that we are unable to
exercise those rights upon later default or otherwise.

Payments Marked "Paid In Full"
	We may accept letters, checks or other types of payments showing
"payment in full" or using other language to indicate satisfaction
of your debt, without waiving any of our rights to receive full
payment under this Agreement. Satisfaction of your debt for less
than the full amount requires a written agreement, signed by one of
our authorized employees.

YOUR BILLING RIGHTS:  KEEP THIS NOTICE FOR FUTURE USE

This notice contains important information about your rights and
our responsibilities under the Fair Credit Billing Act.

Notify Us in Cases of Billing Errors or Questions about Your
Statement. If you think your Statement is wrong, or you need more
information about a transaction on your Statement, write us at:
P.O. Box 62648, Phoenix, AZ  85082-9962

Write us as soon as possible. We must hear from you no later than
60 days after we sent you the first Statement on which the error or
problem appeared. You can telephone us, but doing so will not
preserve your rights. In your letter, give us the following
information:

*Your name and account number.

*The dollar amount of the suspected error.

*Describe the error and explain, if you can, why you believe there
is an error. If you need more information, describe the item you
are not sure about.

If you have authorized us to pay your credit card bill
automatically from your savings or checking account, you can stop
the payment on any amount you think is wrong. To stop the payment
your letter must reach us three business days before the automatic
payment is scheduled to occur.

Your Rights and Our Responsibilities after We Receive Your Written
Notice. We must acknowledge your letter within 30 days, unless we
have corrected the error by then. Within 90 days, we must either
correct the error or explain why we believe your Statement was
correct.
	After we receive your letter, we cannot try to collect any amount
you question, or report you as delinquent. We can continue to bill
you for the amount you question, including Finance Charges, and we
can apply any unpaid amount against your Credit Limit. You do not
have to pay any questioned amount while we are investigating, but
you are still obligated to pay the parts of your Statement that are
not in question.
	If we find that we made a mistake on your Statement, you will not
have to pay any Finance Charges related to the questioned amount.
If we did not make a mistake, you may have to pay Finance Charges,
and you will have to make up any missed payments on the questioned
amount. In either case, we will send you a statement of the amount
you owe and the date that it is due.
	If you fail to pay the amount that we think you owe, we may report
you as delinquent. However, if our explanation does not satisfy you
and you write to us within ten days telling us that you still
refuse to pay, we must tell anyone we report you to that you have a
question about your Statement. And, we must tell you the name of
anyone we reported you to. We must tell anyone we report you to
that the matter has been settled between us when it finally is.
	If we do not follow these rules, we cannot collect the first $50
of the questioned amount, even if your Statement was correct.

Special Rule for Credit Card Purchases. If you have a problem with
the quality of property or services that you purchased with your
Card, and you have tried in good faith to correct the problem with
the merchant, you may have the right not to pay the remaining
amount due on the property or services. There are two limitations
on this right:

*You must have made the purchase in your home state or, if not
within your home state, within 100 miles of your current mailing
address; and

*The purchase price must have been more than $50.

These limitations do not apply if we own or operate the merchant,
or if we mailed you the advertisement for the property or
services.

Important Notice Regarding Your NextCard Account

Effective with your Billing Cycle dated after August 15, 2001, your
NextCard Account Agreement is being amended to include the
following changes to your Terms and Conditions outlined below.

The Annual Percentage Rate for Purchases and Balance Transfers is a
variable rate equal to the Prime Rate plus a margin of 15.99%, but
in any event, not less than 22.99% (Daily Periodic Rate of
0.06298%), or Prime Rate plus a margin of 16.99% for Delinquent
Accounts, but in any event, not less than 23.99% (Daily Periodic
Rate of 0.06573%), Prime Rate plus a margin of 20.99% for
Derogatory Accounts, but in any event, not less than 27.99% (Daily
Periodic Rate of 0.07668%), and a fixed rate of 29.99% (Daily
Periodic Rate of 0.08216%) for Seriously Delinquent Accounts. The
APR for Purchases and Balance Transfers after you close your
Account is variable rate equal to the maximum of Prime Rate plus a
margin of 12.99% or your Annual Percentage Rate for Purchases and
Balance Transfer,  but in any event, not less than 19.99% (Daily
Periodic Rate of 0.05476%). For a "Cured" Account, the APR for
Purchases and Balance Transfers is a variable rate equal to the
Prime Rate plus a margin of 15.99%, but in any event, not less than
22.99% (Daily Periodic Rate of 0.06298%). These variable rates were
in effect on June 1, 2001.

The Annual Percentage Rate for Cash Advance is a variable rate
equal to the maximum of the Prime Rate plus a margin of 17.99% or
your Annual Percentage Rate for Purchases and Balance Transfer, but
in any event, not less than 24.99% (Daily Periodic Rate of
0.06846%).

In this Supplemental Disclosure Statement the term "Prime Rate", as
used for any Billing Cycle, is the highest Prime Rate published in
the Money Rate Tables of The Wall Street Journal (Western Edition)
on the first business day of the calendar month in which the
Billing Cycle ends.  Changes in the Prime Rate will take effect on
the first day of your Billing Cycle. If the Prime Rate increases,
so will the Daily Periodic Rate, your Periodic Finance Charges, and
your Annual Percentage Rate. If more than one Prime Rate is
published, the highest Prime Rate will be used for this
calculation. If The Wall Street Journal (Western Edition) fails to
publish the Prime Rate for the relevant date, we will use the Prime
Rate published in The New York Times or any other newspaper of
national circulation selected by us. The Prime Rate is merely a
reference rate and may not be the lowest rate available.

The Daily Periodic Rates used in determining Finance Charges and
corresponding APR may change each month as the Prime Rate changes.
Any increase or decrease in your Daily Periodic Rates will apply to
both the outstanding balance of your Account and new charges. The
Daily Periodic Rates will continue to vary even if your Account is
closed. The Daily Periodic Rate is the APR divided by 365.

Your Account is Delinquent if payment is received late or is
returned or the Account is overlimit; Derogatory if, in any
12-month period, the Account is Delinquent twice; and Seriously
Delinquent if you fail to make at least the Minimum Payment Due for
two consecutive Billing Cycles.  Accounts are no longer Derogatory
or Delinquent if no late or returned payment occurs and the Account
is not overlimit for 12 consecutive months (a "Cured Account").

Minimum Payment
The Minimum Payment Due for each Billing Cycle will normally be: 2%
of the Balance shown on your statement (or may be higher to ensure
that it is sufficient to pay the Finance Charges) plus the amount
of any Past Due Amount and the amount by which the Balance exceeds
your credit limit.  This payment will not be less than $15 or your
total Balance.

These changes apply to outstanding balances for Purchases and
Balance Transfers on the effective date and new transactions.

If you have questions please email us at
accountinformation@nextcard.com or call us at 1-877-704-0273,
between the hours of 8 A.M. and 5 P.M. PST Monday-Friday.

Thank You.

Sincerely,

NextCard Cardholder Services
www.nextcard.com
NextCard, Inc.


Is you mail being delivered to the incorrect address?  Are your courier
packages going to the wrong building?
If so, please let me know and I (as the Master Floor Plan Coordinator)  will
have the database updated.

Have a great day :)

Taffy Milligan
Sr. Admin Assistant
EWS-Legal
Tele: 713-345-7373
Fax:  713-646-6058


Dee, could you please forward to Steve Van Hooser our usual checklist on
employee matters for diligence purposes?  That would be helpful.  Thanks.
Michelle

---------------------- Forwarded by Michelle Cash/HOU/ECT on 11/03/2000 11:15
AM ---------------------------
From: Steve Van Hooser on 11/02/2000 06:33 PM
To: Glenn Wright/Corp/Enron@ENRON, Ozzie Pagan/HOU/ECT@ECT, Dwight Beach,
David Marshall/HOU/ECT@ECT, jsonnenberg@bracepatt.com, cthompson@bracepatt.com
cc: Michelle Cash
Subject: SUMMARY OF SPA AND LEASE QUESTIONS

Attached is the Summary that Glenn Wright and I used as the basis for
reviewing the Steam Purchase Agreement and the Lease today.

Jay and Clark, please note that there are a couple of drafting follow up
instructions contained in the Summary.

Glenn, please let me know if I misstated the resolution of any issues
discussed.

David, there is at least one follow-up request in the Summary.

Finally, Michelle Cash, ENA's labor and employment attorney informed me that
there are 23 employees currently involved in the operation of the 2 Cogentrix
plants and that employee due diligence will take some time.  I am expecting
to receive a checklist of employment related documentation shortly and will
forward it on to you so that you can have Alamac obtain such information from
Cogentrix as soon as possible.  Michelle would like to know what plans have
been developed to date as to post-acquisition of the 2 plants.  In short, are
we planning to offer all 23 of Cogentrix's employees jobs?

Steve


Here is the document, see sheet Jan 08-14.

Let me know if you need anything else.

Thanks,
Holden


Please delete the referenced meetings from your calendars.  It is no longer
necessary to have this meeting on Thursdays, from 11:00 to 11:30 AM.

Thank you.


calendar
----- Forwarded by Steven J Kean/NA/Enron on 12/04/2000 08:31 AM -----

	Rebecca Carter
	Sent by: Kelly Johnson
	11/30/2000 12:07 PM
	Please respond to kelly.johnson

		 To: Cliff Baxter/HOU/ECT@ECT, Richard Causey/Corp/Enron@ENRON, James
Derrick/Corp/Enron@ENRON, Andrew S Fastow/HOU/ECT@ECT, Steven J
Kean/NA/Enron@Enron, Mark Frevert/NA/Enron@Enron, Greg Whalley/HOU/ECT@ECT,
Karen S Owens@ees@EES, Kevin Hannon/Enron Communications@Enron
Communications, Ken Rice/Enron Communications@Enron Communications, Stanley
Horton/Corp/Enron@Enron@Eott
		 cc: Susan Skarness/HOU/ECT@ECT, Sharron Westbrook/Corp/Enron@ENRON,
Stephanie Harris/Corp/Enron@ENRON, Bridget Maronge/HOU/ECT@ECT, Maureen
McVicker/NA/Enron@Enron, Nicki Daw/NA/Enron@Enron, Liz M Taylor/HOU/ECT@ECT,
Karen Owens/HOU/EES@EES, Carol Ann Brown/Enron Communications@Enron
Communications, Dorothy Dalton/Enron Communications@Enron Communications,
Cindy Stark/Corp/Enron@ENRON
		 Subject: ENE Board Meeting - December 12th

The Enron Corporate Policy Committee has been invited to attend the Tuesday,
December 12th Board meeting. The meeting begins in Executive Session, a
closed session, involving the Board members at 8:00 a.m. Following the
Executive Session, the Corporate Policy Committee will be asked to join the
Open Session beginning at approximately 9:00 a.m. Since we are never sure of
the exact length of the Executive Session, we request that, if you are
attending, you wait in EB5001 until the Executive Session is completed.


Call me


Daily-Blessing
http://www.daily-blessings.com/bless145.htm

Lord's prayer
http://www.daily-blessings.com/humor53.htm

check out thanksgiving pages...send them on to friends and family to let them
know you are thankful for them!

http://www.debsfunpages.com/thanksgiving.htm

win a digital camera, $4500.00 or MORE
http://www.daily-blessings.com/4500.htm

FORGET PC PHONE. GET REAL LONG DISTANCE AT NO COST bigredwire is the first
and only company to offer REAL long distance at no cost
Switch your long distance to bigredwire and get REAL long distance at zero
cost to you. Up to 100 complimentary minutes everyday when you zap your
online bill. If you don't zap, pay only 5 cents a minute without fees. Switch
now!
find out how at http://www.daily-blessings.com/cjbigredwire.htm

Mr Inkman-for all your ink needs
http://www.daily-blessings.com/inkman.htm

<<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>>
* To remove yourself from this mailing list, point your browser to:
http://inbound.postmastergeneral.com/remove?dailyblessings:10
* Enter your email address (judy.hernandez@enron.com) in the field
provided and click "Unsubscribe". The mailing list ID is "dailyblessings:10".

OR...

* Reply to this message with the word "remove" in the subject line.

This message was sent to address judy.hernandez@enron.com
X-PMG-Recipient: judy.hernandez@enron.com
<<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>> <<<>>>


Start Date: 3/31/01; HourAhead hour: 23;  No ancillary schedules awarded.
Variances detected.
Variances detected in Generation schedule.

    LOG MESSAGES:

PARSING FILE -->> O:\Portland\WestDesk\California Scheduling\ISO Final
Schedules\2001033123.txt

---- Generation Schedule ----
$$$ Variance found in table tblGEN_SCHEDULE.
     Details: (Hour: 23 / Preferred:   0.00 / Final:   0.00)
  TRANS_TYPE: FINAL
  SC_ID: ARCO
  MKT_TYPE: 2
  TRANS_DATE: 3/31/01
  UNIT_ID: CARBGN_6_UNIT 1

---- Energy Import/Export Schedule ----
*** Final schedule not found for preferred schedule.
     Details:

  TRANS_TYPE: FINAL
  SC_ID: ECTRT
  MKT_TYPE: 2
  TRANS_DATE: 3/31/01
  TIE_POINT: SYLMAR_2_NOB
  INTERCHG_ID: EPMI_CISO_DFISH
  ENGY_TYPE: NFRM


My finger was just to darn fast to hit the send button.  Here's the
attachment.


you must be on this "best conference" kick b/c your team lost.  sec had a
down year by their standards, but that isn't the point.  lsu beat a good
georgia tech team to win the peach bowl.  texas lost to a pac-10 team.  i
don't need to pump up the lsu's conference b/c we won our bowl game.  i will
pay you, but it is pretty sad that you are cheering for an arch rival that
smoked you guys in dallas.


---------------------- Forwarded by Susan M Scott/HOU/ECT on 10/27/2000 01:17
PM ---------------------------

	Enron Capital & Trade Resources Corp.

	From:  "Kyle Etter" <kyle_etter@hotmail.com>
10/27/2000 01:00 PM

To: sscott5@enron.com
cc:
Subject: Howdy

Since you may or may not return my call I thought I would shoot you an
email.  I'm sorry for keeping you out soo late on Wednesday and anything
else that you may be upset about.  Anyway I will be in Austin on Saturday
night and was hoping we could meet up.  The only thing is I have no way of
getting a hold of you.  So, here is my cell number and I should at least
have this until the end of November:  281-216-5005.  I already got Vic's and
Trey's number so maybe we can all hook up on sixth street.  You can always
respond to this or give me a call with your number.  I may swing by Purvi's
happy hour tonight so maybe I'll see you there.

Kyle

By the way I have never been married and I'm not 28 yet.
_________________________________________________________________________
Get Your Private, Free E-mail from MSN Hotmail at http://www.hotmail.com.

Share information about yourself, create your own public profile at
http://profiles.msn.com.


Deseret (omnibus)
Empresa

Thanks.  ss


your boy is being ridiculous - does he really think he will get the 10th best
rb for the 30th receiver?
---------------------- Forwarded by Eric Bass/HOU/ECT on 08/24/2000 07:01 AM
---------------------------

LQCOLOMBO@aol.com on 08/23/2000 06:12:52 PM
To: Eric.Bass@enron.com
cc:
Subject: Re: Engram

In a message dated 8/23/00 7:23:30 AM Pacific Daylight Time,
Eric.Bass@enron.com writes:

<< What Do you want for Engram? >>

At the very least, Corey Dillon


----- Forwarded by Steven J Kean/NA/Enron on 01/28/2001 08:56 PM -----

	Expense Server@Enron_Development
	01/02/2001 01:28 PM

		 To: Steven J Kean/NA/Enron@Enron
		 cc:
		 Subject: <<Concur Expense Document>> - General Expenses

The following expense report is ready for approval:

Employee Name: John Hardy Jr Jr.
Status last changed by:  Automated Administrator
Expense Report Name: General Expenses
Report Total: $5,239.11
Amount Due Employee: $346.02

To approve this expense report, click on the following link for Concur
Expense.
http://nahou-wwxms01p


Got it thanks.

It will be Greg Whalley and I attending.  Greg is President of Enron. John is out but will attend next week should we prrogress.

See you tomorrow.
 -----Original Message-----
From: 	"Burden, Bill M" <BurdenBM@bp.com>@ENRON
Sent:	Thursday, December 27, 2001 1:01 PM
To:	'Louise@Enron.com'
Subject:	Meeting Friday

Louise,
It was good talking with you today.  Please find attached a map giving
general directions to our office complex.  Note that there are several
buildings in the Westlake Complex, so best directions to find us at the
right building are:

Exit I-10 west at Eldridge Parkway
Left on Eldridge under I-10, following Eldgridge to first light (Memorial
Drive)
Right on Memoria to first light (Westlake Park Blvd.)  [do NOT turn left
before the light at a BP building..that is a different office than ours]
Righ on Westlake Park and right again at the first entrance into the greyish
building complex (Westlake One)....go under breezeway and park in visitors'
area.  Go to reception just under the breezeway, and ask for me...we will
have to come and get you.  They may have trouble reaching me at my office
extension, so in case either they or you may have to call my cell number
below.
 <<mqmapgend[5].gif>>

From BP, it will be the following:
Bill Burden, Mgr. Business Dev. N.A.
Jim Dewar, CFO N.A.
Alan Haywood, VP Structures Desk N.A.
Justin Stuhldreher, inside counsel

We look forward to seeing you at 9 a.m. tomorrow.  Can you confirm you've
successfully received this email by reply? thanks.

Bill Burden
Manager Business Development
BP Energy
501 Westlake Park Blvd.
Houston Tx 77079
(W)  281 366 0962
(Fax)  281 366 5027
(Cell) 832 282 0962
burdenbm@bp.com

 - mqmapgend[5].gif << File: mqmapgend[5].gif >>


See the attached.  Enron Corp. has already authorized Brian Cherry to add
Enron to the list of parties at the end of the document.  I recommend TW do
the same.  I propose that we ask Brian to add TW to the list, with a footnote
that we support the transmission proposal only and do not oppose the other
parts of the term sheet.  (I propose this out of an abundance of caution
because in one part of the document Brian states the parties have agreed on
comprehensive settlement, but later in the document he states that the
parties aren't fully committed yet.)  If he will not agree to do this, then I
would suggest we leave TW off the list and file a letter with the CPUC along
the lines of what I circulated yesterday, with additional language supporting
the motion for extension of time.  Let me know what you think.


Thursday definitely no...friday maybe.  Also Dave Shank is in town to work
with Marine this week.  You remember Dave don't you?


David --  Here is some info the Windfall Profits.  Jennifer can keep you updated.

Jim

-----Original Message-----
From:	Thome, Jennifer
Sent:	Thu 9/6/2001 3:41 PM
To:	Sharp, Vicki
Cc:	Steffes, James D.
Subject:	CA Windfall Profits Tax Bills

Vicki:

Below is an update of the two "windfall profit tax" bills we are following in CA.  Per Jim Steffes' request, I will keep you posted.
Please contact me with any questions.

Jennifer
5-3550

	 <<Untitled Attachment>>
	 -----Original Message-----
	From: 	Steffes, James D.
	Sent:	Thursday, August 30, 2001 8:29 PM
	To:	Sharp, Vicki
	Cc:	Thome, Jennifer
	Subject:	Windfall Profits Tax Synopsis

	Vicki --

	FYI.  This bill continues to move.  Jennifer Thome prepared this synopsis.  Please let me know if you need anything else.  I'll ask Jennifer to keep you updated on any changes and status.

	Jim

	 << File: Windfall Profits Bill summary.doc >>


Start Date: 3/3/01; HourAhead hour: 10;  No ancillary schedules awarded.  No
variances detected.

    LOG MESSAGES:

PARSING FILE -->> O:\Portland\WestDesk\California Scheduling\ISO Final
Schedules\2001030310.txt


Don:

I just attempted reaching you on the phone (left Vmail message) to schedule
our meeting as we've been discussing.  I look forward to hearing from you.
Thanks.

Chuck Kaniuka
Director-Sales
215-504-4288, ext. 217


Attached please find Sept's Government Affairs report.

If you would like to discuss, please let me know.

Thanks,

Jim


At Ed's request I sent him  Select's draft for review on 7/30.  He requested the agreement not be sent prior to his review,  I await instruction.  Concerning South Jersey,  I sent the draft to you on 7/25 to be sent to the customer from which I have had no communication.  Also,  I am waiting on the gty.

 -----Original Message-----
From: 	Vanek, Darren
Sent:	Thursday, August 16, 2001 9:45 AM
To:	Perlingiere, Debra
Subject:	Status

Where are we with the following Enfolios:
-Select Energy Inc
-South Jersey Resources LLC


Phone with questions.  Co-ordinate with Carmel Burke (Fin Ops) if you still
wish to phone in for the meeting.
---------------------- Forwarded by Steve W Young/LON/ECT on 11/12/2000 18:48
---------------------------

Carmel Burke
06/12/2000 15:18
To: Steve W Young/LON/ECT@ECT
cc: Stephen Wood/LON/ECT@ECT, Duncan Webster/LON/ECT@ECT

Subject: RAC final pack

Hi Steve,

I am attaching the final version of your 2001 plan so that you get a chance
to review it before our meeting on Monday.

The new pack reflects any changes that were discussed at our last meeting,
namely  a reduction in training courses to 2 per person and an increase in
economy versus business flights .

I have also revisited the 2000 forecast and adjusted where necessary to
reflect most recent running rates. I have  changed the 2000 headcount figures
to reflect November actuals and have assumed no new starters in December so
if this is inaccurate I will need to amend here.

You will need to view the "direct" and "rsc" sheets to see the information.

Let me know if you have any problems.

Many Thanks

Carmel


Ladies and Gentlemen:

With address information changing so rapidly, especially email addresses,  we want to make sure we have the most current address and email information for  you.  Please take a few moments to complete the attached form (word  document) and email or fax back to my assistant Cynthia Trueheart.

Thanks in advance for your assistance and have a wonderful  Thanksgiving.

Ed
 - Contract update letter.doc


-----Original Message-----
From: stp@sierratradingpost.com [mailto:stp@sierratradingpost.com]
Sent: Wednesday, November 28, 2001 12:26 PM
To: Whitt, Mark
Subject: Super Web Only Savings from Sierra Trading Post

For a while there we thought Old Man Winter was going to pull a no-show and move right on into spring. But brrrrrrr, not any more. Outside my window there's a fresh blanket of snow and some frigid temperatures to go with it.

Luckily our winter editions of Sierra Woman and Sierra Outdoor will be hitting your mailbox soon-and they're packed full of stuff to keep you warm, dry and cozy. (To link to the new catalogs on-line, scroll to the bottom of this email.)

Also, don't miss the fabulous WEB ONLY bargains we've been busy posting to the site... 30 new ones in the past week (always in very limited supply). They're easy to find. Just go to the home page and click on WEB ONLY or JUST ADDED.

Happy shopping and stay warm!

If you have questions or if you want to order by phone, please call 1-800-713-4534.  Please mention Key Code WO9.

Click below to view all the items on this email on line:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=t&dept_id=L1~1149

These are only the newest additions to our WEB ONLY inventory. To view our complete selection click the homepage link below, then click the "WEB ONLY" box in the bottom left corner of the homepage.
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9

------------------------------------------------------------------------

Men's Accessories
Click below to see Men's featured Web Only Accessories:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=t&dept_id=L2~1558

3" ATTACHE CASE by ZERO HALLIBURTON
Gun metal. Leather-lined interior. Aluminum shell. Triple-digit combination lock.
#81592	Price:$149.95	Reg:$269.00	Save:$119.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81592

SLIM COMPUTER CASE by ZERO HALLIBURTON
Gun metal. Aircraft grade aluminum. Slide-button latch with secure combination lock.
#81593	Price:$175.00	Reg:$290.00	Save:$115.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81593

4" BUSINESS CASE by ZERO HALLIBURTON
Silver or gun metal. Aircraft-quality aluminum shell. Triple-digit combination lock.
#81596	Price:$199.95	Reg:$395.00	Save:$195.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81596

LEATHER BRIEFCASE by HOLLAND SPORTS for MULLHOLLAND BROTHERS
Black. Solid brass hardware. One main compartment inside.
#81576	Price:$325.00	Reg:$455.00	Save:$130.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81576

THREE GUSSET BRIEFCASE by MULHOLLAND BROTHERS
Light brown. Solid brass hardware. Back newspaper pocket.
#81577	Price:$325.00	Reg:$725.00	Save:$400.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81577

LEATHER GARMENT BAG by HOLLAND SPORT for MULHOLLAND BROTHERS
Burgundy. Full grain leather. Three zippered pockets.
#81318	Price:$347.00	Reg:$765.00	Save:$418.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81318

MAGGIE PRO POLARIZED SUNGLASSES by VON ZIPPER (For Men and Women)
Brown. Classic style frame.
#76273	Price:$59.95	Reg:$150.00	Save:$90.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=76273

VELVET SHADES by ANGEL
Black frame. Grey lenses.100% UV protected.
#76156	Price:$22.50	Reg:$45.00	Save:$22.50
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=76156

------------------------------------------------------------------------

Men's Clothing
Click below to see Men's featured Web Only Clothing:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=t&dept_id=L2~1150

NORDIC PULLOVER by SIERRA DESIGNS (For Men)
Sizes M and L. Lavender or dark grey. Invisible 9" zipper.
#39582	Price:$39.95	Reg:$69.00	Save:$29.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=39582

MICROFLEECE ZIP MOCK-T by SIERRA DESIGNS (For Men)
Sizes S-XL. Navy, soft gold or burgundy. 12" neck zipper.
#39586	Price:$35.00	Reg:$60.00	Save:$25.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=39586

------------------------------------------------------------------------

Women's Accessories
Click below to see Women's featured Web Only Accessories:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=t&dept_id=L2~1557

3" ATTACHE CASE by ZERO HALLIBURTON
Gun metal. Leather-lined interior. Aluminum shell. Triple-digit combination lock.
#81592	Price:$149.95	Reg:$269.00	Save:$119.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81592

SLIM COMPUTER CASE by ZERO HALLIBURTON
Gun metal. Aircraft grade aluminum. Slide-button latch with secure combination lock.
#81593	Price:$175.00	Reg:$290.00	Save:$115.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81593

4" BUSINESS CASE by ZERO HALLIBURTON
Silver or gun metal. Aircraft-quality aluminum shell. Triple-digit combination lock.
#81596	Price:$199.95	Reg:$395.00	Save:$195.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81596

LEATHER BRIEFCASE by HOLLAND SPORTS
Black. Solid brass hardware. One main compartment inside.
#81576	Price:$325.00	Reg:$455.00	Save:$130.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81576

THREE GUSSET BRIEFCASE by MULHOLLAND BROTHERS
Light brown. Solid brass hardware. Back newspaper pocket.
#81577	Price:$325.00	Reg:$725.00	Save:$400.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81577

LEATHER GARMENT BAG by MULHOLLAND BROTHERS
Burgundy. Full grain leather. Three zippered pockets.
#81318	Price:$347.00	Reg:$765.00	Save:$418.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81318

MAGGIE PRO POLARIZED SUNGLASSES by VON ZIPPER (For Men and Women)
Brown. Classic style frame.
#76273	Price:$59.95	Reg:$150.00	Save:$90.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=76273

VELVET SHADES by ANGEL
Black frame. Grey lenses.100% UV protected.
#76156	Price:$22.50	Reg:$45.00	Save:$22.50
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=76156

------------------------------------------------------------------------

Women's Clothing
Click below to see all Women's featured Web Only Clothing:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=t&dept_id=L2~1151

KINETIC JACKET by MOONSTONE (For Women)
Sizes M and L. Blue-green/black. Full zip front. Absolutely won't pill.
#39564	Price:$48.00	Reg:$79.00	Save:$31.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=39564

POLO FLEECE CARDIGAN by SIERRA DESIGNS (For Women)
Sizes S-L. Teal, black ( L only), berry (M only), light brown (M only) or orange.
#39640	Price:$47.00	Reg:$79.00	Save:$32.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=39640

V-NECK FLEECE TOP by SIERRA DESIGNS (For Women)
Sizes S-XL. Brown, teal, bluish purple, berry or grey.
Soft pile on outside, smooth knit within.
#39641	Price:$33.00	Reg:$55.00	Save:$22.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=39641

------------------------------------------------------------------------

Kid's Corner
Click below to see all Kid's featured Web Only Items:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=t&dept_id=L2~1155

BOILED WOOL BOOTIES by WESENJACK (For Kids, Youth and Women)
Euro sizing. US sizes Kids 8 through Youth 3.5. Soft fuzzy footbed.
#62166	Price:$12.95	Reg:$50.00	Save:$37.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=62166

------------------------------------------------------------------------

Outdoor Gear
Click below to see all featured Web Only Outdoor Gear Items:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=t&dept_id=L2~1555

CIRRUS GOOSE DOWN BAG by SIERRA DESIGNS (For Women)
Purple. Right or left zip. Ultra-warm 700 fill power goose down.
#79349	Price:$334.00	Reg:$445.00	Save:$111.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79349

ABSORAKA SLEEPING BAG by SLUMBERJACK
Berry. Light summer weight. Polyester shell.
#79563	Price:$99.95	Reg:$152.00	Save:$52.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79563

TAMARACK 3.5 XL by SLUMBERJACK
Navy or medium blue. Rated to 40 degrees. Single layer quilt construction.
#79567	Price:$26.00	Reg:$38.00	Save:$12.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79567

PINE CREEK RECTANGULAR SLEEPING BAG by SLUMBERJACK
Royal blue. Mild-weather weight. Insulated with warm Quallofil
.
#79569	Price:$42.00	Reg:$60.00	Save:$18.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79569

CALYPSO CAMPGROUND BAG by SLUMBERJACK
Red or royal blue. Designed for mild weather camp-outs. Lined with soft cotton flannel.
#79576	Price:$49.95	Reg:$72.00	Save:$22.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79576

AURORA JR. SLEEPING BAG by SLUMBERJACK (For Youth)
Navy. Right zip. Rated to 25 degrees. Fits up to 5'5".
#79581	Price:$39.95	Reg:$62.00	Save:$22.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79581

TODDLER SLEEPING BAG by SLUMBERJACK
Medium green. Cozy fleece lining.
#79587	Price:$39.00	Reg:$56.00	Save:$17.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79587

BLUE RIDGE CAMPGROUND BAG by SLUMBERJACK
Black/Jade or navy/black. Perfect for mild weather outings.
Keeps you warm down to 40 degrees F.
#79588	Price:$29.75	Reg:$43.00	Save:$13.25
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79588

JUNIOR RECTANGLE SLEEPING BAG by SLUMBERJACK
Red or purple. Polyester fill. Lined with soft polyester cotton.
#79589	Price:$28.00	Reg:$40.00	Save:$12.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79589

DIAMOND CAMPGROUND BAG by SLUMBERJACK
Teal. Warmly insulated with Hollofil
 II. Keeps you warm down to 20 degrees F.
#79629	Price:$89.75	Reg:$128.00	Save:$38.25
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79629

MT. LESLIE BAG by SLUMBERJACK
Olive/charcoal. Rated to 35 degrees F. Fits up to 5'10".
#79635	Price:$29.50	Reg:$42.00	Save:$12.50
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79635

MUMMY BAG COMBO PACK by SLUMBERJACK
Medium blue. Comes with a complimentary sleeping pad!
Nylon ripstop shell. Insulated with Magloft.
#79642	Price:$69.95	Reg:$100.00	Save:$30.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79642

RED PINE HUNTING BAG by SLUMBERJACK
Tan or brown. Single layer Hollofil
 808 insulation.
Heavyweight cotton duck outer. Lined with soft flannel.
#79656	Price:$59.95	Reg:$88.00	Save:$28.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79656

LONG 15? POLARGUARD 3D WILD BILL SLEEPING BAG
by SIERRA DESIGNS (For Men)
Teal. Right or left zip. Contour shingle construction. Fits to 6'6".
#79680	Price:$128.00	Reg:$170.00	Save:$42.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79680

15? SANDMAN POLARGUARD 3D SLEEPING BAG
by SIERRA DESIGNS (For Men)
Wine/grey. Left zip.  Fits up to 6'. Ergonomic hood.
#79682	Price:$157.00	Reg:$209.00	Save:$52.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79682

15? ROSA POLARGUARD 3D SLEEPING BAG
by SIERRA DESIGNS (For Women)
Medium blue. Fits up to 5'5". Ergonomic hood.
#79685	Price:$120.00	Reg:$160.00	Save:$40.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79685

SEMI-RECTANGULAR SLEEPING BAG/LINER by MOUNTAIN HARDWEAR
Teal. Ultralight Polarguard
 HV insulation.
#79698	Price:$89.95	Reg:$140.00	Save:$50.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79698

0? POLARGUARD 3D SWEET DREAM SLEEPING BAG
by SIERRA DESIGNS (For Women)
Burgundy. Right or left zip. Polyester taffeta shell with DWR finish.
#79761	Price:$164.00	Reg:$219.00	Save:$55.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79761

BIG GRIZZLY SLEEPING BAG by SLUMBERJACK (For Men)
Navy. Fits up to 6'10". Keeps you warm down to -20 degrees F.
#79829	Price:$126.00	Reg:$180.00	Save:$54.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79829

575 FP DOWN UPGRADE SLEEPING BAG by MOUNTAIN HARDWEAR
Medium blue. Will add 25? to any bag's comfort rating.
#79919	Price:$120.00	Reg:$197.20	Save:$77.20
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79919

LONG 575 FP DOWN UPGRADE SLEEPING BAG by MOUNTAIN HARDWARE
Medium blue. Will add 25? to any bag's comfort rating.
#79920	Price:$125.00	Reg:$208.80	Save:$83.80
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=79920

BIG HUT 1 by WALRUS
Tent-like upper half. Field-repairable aluminum poles. Peak height 25".
#88928	Price:$24.70	Reg:$38.00	Save:$13.30
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=88928

STUFF SACK by SIERRA DESIGNS
Medium blue. Rugged nylon fabric with drawstring closure. 13x4".
#81963	Price:$9.95	Reg:$17.00	Save:$7.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=81963

OASIS PACK by SIERRA DESIGNS
Black. Padded back panel. Two zip storage pockets. Insulated bottle holster.
#82243	Price:$12.50	Reg:$21.55	Save:$9.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=82243

MOMENTUM HYDRATION PACK by SIERRA DESIGNS
Black/dark grey. Padded back panel. Quick-draw, leak proof bottle.
#82270	Price:$15.95	Reg:$28.00	Save:$12.05
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=82270

STEALTH HYDRATION SYSTEM by SIERRA DESIGNS
Black/soft orange. Easy-fill 64 fl. oz. bladder. Adjustable sternum strap.
#82365	Price:$29.00	Reg:$40.00	Save:$11.00
 http://www.sierratradingpost.com/xt_kc.asp?kc=WO9&pg=p&bn=82365

Web Only Prices Good Through December 21, 2001.

------------------------------------------------------------------------

Click below to see an Online Index of the Sierra Woman Winter 2001 Catalog:
 http://www.SierraTradingPost.com/xt_kc.asp?kc=WC29&pg=d&dept_id=1401&dept_name=Sierra+Woman+Winter+2001+Catalog&header_title=Sierra+Woman+Winter+2001+Catalog

Women's Clothing
Click below to view all of the Women's Clothing from the Sierra Woman Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1402

Women's Footwear
Click below to view all of the Women's Footwear from the Sierra Woman Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1410

Kid's Corner
Click below to view all of the Kid's Corner from the Sierra Woman Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1417

Home Furnishings
Click below to view all of the Home Furnishings from the Sierra Woman Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1420

Outdoor Gear
Click below to view all of the Outdoor Gear from the Sierra Woman Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1424

Super Clearance
Click below to view all of the Super Clearance Items from the Sierra Woman Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1426

Sierra Woman Winter 2001 Catalog Prices Good Through January 15, 2002

------------------------------------------------------------------------

Click below to see an Online Index of the Sierra Woman Winter 2001 Catalog:
 http://www.SierraTradingPost.com/xt_kc.asp?kc=WC29&pg=d&dept_id=1432&dept_name=Sierra+Outdoors+Winter+2001+Catalog&header_title=Sierra+Outdoors+Winter+2001+Catalog

Men's Clothing
Click below to view all of the Men's Clothing from the Sierra Outdoors Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1433

Women's Clothing
Click below to view all of the Women's Clothing from the Sierra Outdoors Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1440

Men's Footwear
Click below to view all of the Men's Footwear from the Sierra Outdoors Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1446

Women's Footwear
Click below to view all of the Women's Footwear from the Sierra Outdoors Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1452

Outfitting Gear
Click below to view all of the Outfitting Gear from the Sierra Outdoors Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1456

Home Furnishings
Click below to view all of the Home Furnishings from the Sierra Outdoors Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1463

Super Clearance
Click below to view all of the Super Clearance Items from the Sierra Outdoors Winter 2001 Catalog:
 http://www.sierratradingpost.com/xt_kc.asp?kc=WC29&pg=t&dept_id=L1~1465

Sierra Outdoor Winter 2001 Catalog Prices Good Through January 15, 2002

100% SATISFACTION GUARANTEED!
 http://www.sierratradingpost.com//StaticText/guarantee.asp?

To have your name removed from this email list, please send a brief response to:
customerservice@sierratradingpost.com .


---------------------- Forwarded by Laurel Adams/HOU/ECT on 09/13/2000 08:34
AM ---------------------------

John Greene
09/07/2000 12:17 PM
To: Laurel Adams/HOU/ECT@ECT
cc:
Subject: Instinet Terminal - Enron London

Laurel,

Please take care of this for us.  It is a contract to have an Instinet
terminal installed on my desktop here in London.

Thanks and regards,
John
---------------------- Forwarded by John Greene/LON/ECT on 07/09/2000 18:19
---------------------------

	Enron Capital & Trade Resources Corp.

	From:  Mark_Freeman@instinet.co.uk                           07/09/2000 11:10

To: John.greene@enron.com
cc:

Subject: Enron

Good afternoon John.

Attached is a suggested draft letter.  As it is from a US company to another
US
company, you may want to Americanise the salutations/layout etc !!

(See attached file: Enron- London terminal.doc)

As soon as I receive the signed version back form you, we can move ahead with
the installation process.

Kind regards.
Mark

 - Enron- London terminal.doc


Jason,

See if this is what you were looking for.  (After pressing 'Fetch', check
column 'N' on Results tab.)

Call me if you have any questions,

Hal McKinney
x53707


Kim, the attached e-mail is from John Gregg.  He is a lawyer from Washington
DC.  His firm represents alot of the Muni's across the country.  He
represents Mesa and others in the West.  It appears that Enron is having some
problems with WIlcox.  Did we give that account to EES ?  Do you know this
JAmie Bellamy ?  If possible we need to get this cleared up so that John does
not take it out on us in the furture.

Frank

---------------------- Forwarded by Frank W Vickers/NA/Enron on 03/12/2001
07:51 AM ---------------------------

"JOHN GREGG" <JGREGG@mbolaw.com> on 03/09/2001 05:25:13 PM
To: <Fvicker@enron.com>
cc:

Subject: Enron's Biggest Market

Good to talk with you Frank.  Funny you called when you did.

While you were "gone," the mighty City of Wilcox, AZ signed up with Enron.  I
got a call today from a frantic city clerk because Enron has fallen a few
months behind in billing after many months of fine service.  This is bad for
several reasons, not the least of which is that Enron is paying the pipeline
for Wilcox.

The reps name is Jamie Bellamy.

Could you kick him in the butt for one of the smallest munis in the country?

John P. Gregg
Miller, Balis & O'Neil, P.C.
1140 Nineteenth St., N.W.
Washington, DC 20036
(202) 296-2960
(202) 296-0166 (fax)
jgregg@mbolaw.com


Once again, it's time to find out what you think about your work experience
at Enron and what can be done to make it better.  That's why Enron wants to
check your pulse.  In fact, we've changed the name of last year's "Excellence
Through Communication" employee survey to The Pulse.  This new name more
accurately captures the purpose of the survey.  Your diagnosis helps us
correct problem areas so we can continue to make Enron a great place to work.

Starting Monday, October 16, you will be asked to provide input into Enron
and your work environment.  We would like to have 100% participation across
Enron, because the only way to make things better is to know where we need to
make improvements.

Will be available:  Monday, October 16 - Friday, Oct. 27
Will be located at: survey.enron.com

There are a few things you should remember about The Pulse:

1. Your survey responses will be confidential.  You can complete your survey
at your desk via the intranet at survey.enron.com.  If you prefer, special
computer kiosks will be available in some of our larger offices and group
computer terminals will be available in smaller field offices.  We want to
provide you with the most comfortable environment possible, as your
participation is of vital importance to Enron.
2. We will respond actively to your comments.  We are going to do our best to
cure some of the current problems that exist and put into action preventative
processes that will help identify smaller problems before they become major
ones.  We may ask for your help in resolving some of the issues that are
collected in the survey -- your active role will help us identify the best
solutions.

In last year's survey, employees identified several problem areas regarding
internal communications and we've already acted on many of your
recommendations.  These are a few of the things we've accomplished or are
working on in direct response to your input:

* Educational/informational meetings, like Brown Bag Lunches and Executive
Floor Meetings
* Flex schedules
* Improved PRC process
* Various employee newsletters, like Enside and eBiz

So take a few minutes to check your pulse and tell us what you think and how
you feel about your job and about Enron.

We look forward to hearing from you.

Mark


Yours?
---------------------- Forwarded by Mark A Taylor/EFS/EES on 09/05/2000 10:52
AM ---------------------------

Michael Guerriero@ENRON
09/05/2000 10:39 AM

To: Andrea Calo/SA/Enron@Enron
cc: mark.taylor@enron.com, Patrick Hansen/SA/Enron@Enron
Subject: Re: CNV-Precedents

He missed the Agrisitio.com.ar case.

All others are related to Futures and Options conflicts with the Commodities
board. We are not in conflict with the commodities board and are not
brokering futures contracts. I will work on getting such clarification from
the CNV via Patrick. We still need the other information we spoke of on
Friday.

Andrea Calo
09/05/2000 11:17 AM
To: mark.taylor@enron.com, Michael Guerriero/SA/Enron@Enron
cc:

Subject: CNV-Precedents

FYI
---------------------- Forwarded by Andrea Calo/SA/Enron on 09/05/2000 11:19
AM ---------------------------

IRIBARNE Sebasti?n M. <SMI@marval.com.ar> on 09/04/2000 07:12:00 PM
To: "'Andrea.Calo@enron.com'" <Andrea.Calo@enron.com>
cc:
Subject: Doc2__1

Andrea,

Te adjunto una breve descripci?n de los antecedentes de la CNV con relacion a
a derivados e internet.? Me han adelantado un closing para aana tengo que
arranca a las tres de la tarde, asi que estaria libre maana durante la
maana o el miercoles.

Muy cordialmente,

Sebastian M. Iribarne

 <<Doc2__1_.doc>>

---------------------------------------------------------------------
Este mensaje es confidencial. Puede contener informacion amparada
por el secreto profesional. Si usted ha recibido este e-mail por error,
por favor comuniquenoslo inmediatamente via e-mail y tenga la
amabilidad de eliminarlo de su sistema; no debera copiar el mensaje
ni divulgar su contenido a ninguna persona. Muchas gracias.

This message is confidential. It may also contain information that is
privileged or otherwise legally exempt from disclosure. If you have
received it by mistake please let us know by e-mail immediately and
delete it from your system; you should also not copy the message nor
disclose its contents to anyone. Many thanks.
?---------------------------------------------------------------------

 - Doc2__1_.doc


Seasonal greetings and best wishes for a happy and prosperous new year!

Les.

Dr. Les Clewlow
Visiting Research Fellow, School of Finance and Economics, University of
Technology, Sydney, Australia.
Associate Research Fellow, Financial Options Research Centre, Warwick
Business School, Coventry, UK, CV4 7AL.
Director, Lacima Group Ltd. 55 Skylines Village, Limeharbour, London, E14
9TS, UK. Phn: +44 (0)171 531 9628, Fax: +44 (0)171 538 5781
WWW:   http://www.lacimagroup.com


Thanks


With Mark Haedicke, keep Sylvia Sauseda and Bernadette apprised of details.

Betsy Diamond in Mike Day's office 415-781-0701is making their arrangements


Prebon West-
All deals checked out well.

Amerex West-
All deals checked out well.

Bloomberg
All deals checked out well.

Thanks!!


Mark:
Here is a summary of what I am currently working on.
Carol


Mark,

Jeff is considering taking Jeffrey on an African safari July 4-13, and was
wondering if you would have any interest in joining them.  He is in the
process of gathering information now and has not yet committed, but wanted to
guage your interest.  He's looking primarily at the Ngorongoro conservation
area and the Serengeti.  I can forward a proposed itinerary to you once
received from the guides.

Please let us know if you're at all interested.

Thanks, Sherri


Its pretty critical as the other one is not.

I need the international bar removed

Louise Kitchen
Chief Operating Officer
Enron Americas
Tel:  713 853 3488
Fax: 713 646 2308


I making notes for the contract files as I come across special items.  There isn't anything for anyone to do with this information at this point.

Pipe	Contract	MDQ		End Term	Demand		Sitara		Comment
CGLF	63115		30,000		3/31/02		$2.6805 per month	1190657	recalled effective 2/5/02

CGAS	71451		40,000		3/31/02		$3.02 per month		1190599	recalled effective 3/20/02

I've printed all the information I could find on the EBB and put it in Maria's contract files.  I thought both contracts were non recallable but I don't remember.  The offer information on the EBB shows that both contracts were recallable but its possible that CGAS/CGLF changed this in the system since ENA has not been paying the bills.


Address:
335 Piney Point Road
Houston, TX 77024
Phone:
(713) 782-0481
Principal:
Dr. Annette Smith
Location:
Suburban
Grade Levels:
PreK-8
Enrollment:
704
Student Characteristics:

Caucasian:
91.0%
African-American:
1.0%
Hispanic:
5.0%
Asian:
3.0%
American Indian:
0.0%
Other:
0.0%
?
?
Mobility Rate:
1.5%
Limited English:
1.0%
Low Income:
0.0%
Special Education:
0.0%
	St. Francis Episcopal Day School in Houston, Texas was founded in 1952 in
response to the needs of the St. Francis Episcopal Church and the surrounding
neighborhood. Currently, the school serves students from the age of three
through the eighth grade. St. Francis is accredited by both the Independent
Schools Association of the Southwest and the Southwestern Association of
Episcopal Schools and is a member of the National Association of Independent
Schools. Our mission is supported through the efforts of our Board of
Trustees, Head of School, school leadership team, faculty, staff, parents,
student body, and friends of St. Francis.
	The school's mission statement is: "In the Anglican tradition, St. Francis
Episcopal Day School challenges motivated students in an academically and
spiritually stimulating environment to become imaginative, critical thinkers,
and people for others."
	Our curriculum is the result of intense work by the talented educators at St.
Francis. We are dedicated to providing a well-rounded, value-centered program
that balances stimulating academics with experiences that broaden students'
knowledge of themselves and today's world.
	The Early Childhood division is organized in learning centers that include
activities with challenging materials and experiences. The classroom becomes
a laboratory where children can explore and experiment. The enrichment
program in early childhood includes experiences with music, motor
development, Spanish, and technology. Our full day kindergarten program
allows children and teachers to explore topics thoroughly. They begin the
nationally recognized Everyday Mathematics, a program rich in problem solving
activities.
	The lower school curriculum provides young learners with a carefully planned,
sequential course of study that includes Reader's and Writer's Workshop,
Everyday Mathematics, "hands-on" science, and integrated social studies.
Specialists teach art, music, physical education, and Spanish. Small class
sizes contribute to the success of each child.
	The Middle School seeks to celebrate the uniqueness of early adolescence.
After completing three years in middle school, students can anticipate being
admitted to quality high school programs, both public and private, and enjoy
the confidence that develops from proper preparation - academically,
socially, and morally. By the end of their eighth grade year, students will
have had the opportunity to receive high school credit for Algebra I,
physical science, and Spanish I.
	Through conferences, professional organizations, workshops, graduate studies,
book clubs, and extensive travel, the men and women who teach at St. Francis
know the current research on how children best learn and use this knowledge
in the classroom. The tradition of an Anglican education coupled with an
energetic expert staff makes magic happen both within the classroom and
throughout our campus.
	St. Francis is committed to providing students with an up-to-date technology
enhanced educational experience. We currently have six staff members
supporting technology and one staff member leading curriculum development on
our campus. Our faculty presented a workshop on using technology in the
classroom at the prestigious Association for Supervision and Curriculum
Development 1997-1998 Conference. Technology at St. Francis is a tool going
beyond computer literacy by incorporating lessons using technological support
in every subject for every student. Students are active participants in
searching for knowledge using the Internet, print, and other electronic
sources. They learn to retrieve and use information to complete projects and
assignments. Each classroom is Internet ready. Along with access to grade
level mini-labs and classroom computers, students have the use of two
high-level multimedia labs containing scanners, digital cameras, video
capabilities, and color laser printers. Teachers and students use technology
as a problem solving, communication, and research tool to enhance an already
rich learning experience. Students use real world technology to present their
information to a wide audience.
	St. Francis offers many exciting opportunities for students to involve
themselves in the fine arts. Through the music, drama, and art programs, our
students learn the values of discipline, perseverance, and commitment, and
the joy of performing in front of a live audience. With strings, choir, band,
drama club, and studio art, students have opportunities to explore their own
creativity and interests while being trained by talented artists and
musicians.
	Along with art in classroom instruction and after school clubs, St. Francis
is extremely proud to offer our students Art a la Carte. This innovative
program enhances the art and social studies curriculum by bringing teams of
trained volunteers into the classroom to help the students learn to
appreciate great art. Costumes, props, food, and other enhancements are
frequently part of the lessons at all grade levels. This integration of art
production and art history makes our art program truly unique!
	Being an athlete at St. Francis Episcopal Day School and playing for the
Wolves are privileges and honors that carry many responsibilities. Middle
school students may sign up for three sports a year, one each in the fall,
winter and spring. They may choose football, cross-country, field hockey,
volleyball, wrestling, soccer, basketball, softball and track. Sixth graders
do not participate in football. Coaches stress the importance of teamwork,
peer relationships, cooperation, discipline, and a healthy body.
	The Classroom of the Earth is an extraordinary program that extends the
classroom walls and allows the students to apply learning in a natural
setting. Starting with the beginner class, it combines curriculum study with
outdoor awareness and provides the ultimate in critical thinking
opportunities and application of problem solving strategies. The program
culminates with an eighth grade trip to Bandelier National Monument near
Santa Fe, New Mexico. While there, students visit Tsankawi ruins, study the
Anasazi culture, and document their trip with lively updates and pictures on
our website. St. Francis alumni often report that some of their fondest
memories are of COE trips. Classroom of the Earth trips are lead by faculty
members and teachers trained through both the National Outdoor Leadership
School and the Wilderness First Responder Course.
	St. Francis is proud of its rich religious traditions including the Feast of
St. Francis, the Blessing of the Animals, celebration of the church seasons,
Episcopal School Sunday, and birthday blessings. Students worship together
twice weekly. Third through eighth graders join together monthly to celebrate
the Holy Eucharist. Students participate in chapel by reading prayers and
scripture and serving as acolytes and crucifers. The chaplain of the school
organizes the worship services. He is available to school families as a
pastor and friend. We invite parents, friends and relatives to worship with
us at any of our services. Religious education is an integral part of the
curriculum from age three through eighth grade. Through study, discussion,
and experiences, students internalize values and develop character to live a
godly life and be of service to others.
	St. Francis is committed to outreach and service. It is our goal that each
student understands that he or she has something unique and special to offer
to the world. By teaching our students to be people for others, they leave
our school with a deeper understanding of community and the concept of giving
of themselves. Together, St. Francis Episcopal Day School, St. Francis
Episcopal Church, the St. Francis Children's Center, and the St. Francis
Sports Association commit to nurturing the spiritual, educational, emotional
and physical development of all God's people. These four entities form the
St. Francis Community, a unique gathering of energy, individuals and ideals.

1998)1999 Blue Ribbon Elementary Schools


>  -----Original Message-----
> From: 	Wong, Olga
> Sent:	Wednesday, October 17, 2001 4:11 PM
> To:	Love, Dianne
> Subject:	Article
>
>
>  <<Burgess -1.tif>>  <<Burgess -2.tif>>  <<Burgess-photo.tif>>
>
>
>
> Olga Gonzalez-Wong
> Administrative Sciences Department
> School of Business and Public Administration
> University of Houston-Clear Lake
> 2700 Bay Area Boulevard, Box 23
> Houston, Texas 77058
> (281) 283-3236
>

 - Burgess -1.tif
 - Burgess -2.tif
 - Burgess-photo.tif


[IMAGE]
	Monday February 4, 2002	iOTC
			[IMAGE]
			[IMAGE]
[IMAGE]		 RIGZONE [IMAGE] [IMAGE] [IMAGE] 	[IMAGE]
[IMAGE]		home    | news    | search    | maps    | data    | jobs    | market    | store  	[IMAGE]
			[IMAGE]
[IMAGE]		      [IMAGE] [IMAGE]      In This Issue [IMAGE]      [IMAGE]     [IMAGE]    Current Oil and Gas Industry News T! op Stories for the Past 7 Days Featured Events and Conferences What's in Store - Books & More     Featured Employment Opportunities Surplus Oilfield Equipment For Sale Worldwide Offshore Rig Utilization Oil & Gas Prices    [IMAGE]   [IMAGE]       Industry Headlines [IMAGE]      [IMAGE]       Kuwait Oil Fire Leaves Four Workers Dead  A fire and an explosion at an oil facility in northern Kuwait have left four workers dead and at least 16 injured.  Norwegian Pilot Strike Ends  CHC Helicopter Corporation has reached an agreement with the leadership of the union representing CHC pilots in Norway. All striking pilots will report back to work starting Feb.! 2, 2002.    [IMAGE]   [IMAGE]  advertisement  Welcome to the world of Thuraya, where communication knows no boundaries. Thuraya provides mobile satellite telephony to 99 countries throughout Europe, North and Central Africa, the Middle East, Central Asia and the Indian Sub-continent. With a combination of cellular and satellite phone capabilities bolstered by GPS and data features, Thuraya provides the total communications solution you've been looking for.   Click for more...            Exploration [IMAGE]      [IMAGE]     [IMAGE]  ONGC May Make BG a Partner  ONGC may make British Gas a technical partner for operating Panna-Mukta and Tapti fields - despite rejecting the company's claim as operator of the field when BG purchases Enron's equity.  Morocco Protests Offshore Exploration Licenses  The Moroccan government is protesting a decision made late last year by Spain to grant Repsol-YPF nine oil exploration concessions in the Atlantic between Morocco and the Canary Islands.    [IMAGE]   [IMAGE]       Production [IMAGE]      [IMAGE]     [IMAGE]  Russia Keeps Within Export Limits  No additional quotas for shipments of Russian crude oil were issued in January and exports were within limits agreed with OPEC as part of a deal to support prices, according to official sources.  ! Kerr-McGee Turns On the Tap at Nansen  Kerr-McGee Oil & Gas announced that the Nansen field, in the deepwater Gulf of Mexico, achieved first production on Jan. 28, 2002 from the first of three subsea wells.    [IMAGE]   [IMAGE]       Company & Financial News [IMAGE]      [IMAGE]     [IMAGE]  Marathon To Spend $1.8 Billion in 2002  Marathon Oil Corporation announced that it has approved a budget of $1.8 billion for its 2002 capital, investment and exploration programs.  Rowan Completes Acquisition  Rowan Companies, Inc. announced that Rowan Electric, Inc., a wholly owned subsidiary, has completed the purchase of certain assets of Oilfield-Electric-Marine, Inc. and Industrial Logic Systems, Inc., for ! a price of approximately $8 million in Rowan common stock.  Varco Revenue Up 46%  Varco's net income in 2001 more than doubled that of 2000.    [IMAGE]   [IMAGE]  advertisement  Mark your calender!  On  Wednesday, February 6th, access to Rigzone's  premium Gulf of Mexico Drilling Permit and Plans database will be open to all rigzone members and website visitors.  Additionally, HR managers and Industry recruiters will have unlimited free access to the Rigzone Career Center.  Take a test drive, we think you will like what you find.           Last 7 Days Top Stories [IMAGE]      [IMAGE]     [IMAGE]  BP Could Cut Jobs in the North Sea  BP is considering cutting some of its 3,600 Aberdeen-based workforce in a bid to control rising costs.  AEC and PanCanadian Confirms Merger Plans  Alberta Energy Company and PanCanadian join forces in a "merger of equals" that will create one of North America's largest independent energy companies.  Amerada Hess Hits Offshore Equatorial Guinea  Amerada Hess Corporation reported that it has made another significant oil discovery offshore Equatorial Guinea in the Rio Muni Basin.  Anadarko Plans to Spend $2 Billion in 2002  Anadarko Petroleum Corporation said that its board of directors has approved an initial capital spending budget of $2 billion for 2002 this is down from the $3.3 billi! on approved for 2001.  Technip Coflexip Lands Brunei Development Project  Technip-Coflexip has recently been awarded a contract by Brunei Shell Petroleum Co. for its Egret Phase 1 Gas Development Project, offshore Brunei.  OPEC Expects To Increase Market Domination  OPEC's oil production and its domination of the oil market are expected to increase gradually over the next two decades, with the group's output rising to more than 50% of global oil demand by 2020, a recent OPEC study says.  Woodside Hits with Enfield-4 Appraisal Well   Woodside Petroleum Ltd said its Enfield-4 appraisal well offshore Western Australia had found oil.  Petro-Canada Acquires Veba Assets  Petro-Canada announ! ced that it has agreed to acquire the international oil and gas operations of Veba Oil & Gas Gmbh from Veba and BP p.l.c. for a price of Cdn $3.2 billion in cash.   Honeywell Lands Belanak Contract  Honeywell Industry Solutions has been selected as the automation supplier for the Belanak oil field development project in Indonesia.   McMoRan Successful at Mound Point #2 Well  This well confirms McMoRan's exploration concept for the Mound Point area which is one of the largest geologic structures in the shallow waters offshore Louisiana.  Venezuelan Field Falls Short of Expectations  The consortium operating Venezuela's LL-652 field large fourth-quarter write-downs as the block continues to fall short of expectations.  Pertamina Bidding for Devon Indonesia Assets  Pertamina is ready to submit a bid to acquire Devon Energy's local assets.    [IMAGE]   [IMAGE]       Upcoming Oil & Gas Industry Events [IMAGE]      [IMAGE]     [IMAGE]  Feb. 6     Torch Mid-Winter Energy Conference  New York Feb. 7     Marine Construction 2002  Houston Feb. 10    2002 SPE Internation! al Petroleum Conference & Exhibition in Mexico  Villahermosa Feb. 26    2002 IADC/SPE Drilling Conference and Exhibition   Dallas Feb. 26    Offshore Oil and Gas Safety Seminars  Aberdeen Feb. 27    Human Resources in Oil & Gas  Aberdeen Ma! r. 10    AAPG Annual Meeting  Houston Mar. 17    Oil Field Chemistry Symposium - 13th International  Geilo Mar. 20    LNG North America  Houston Apr. 9     2002 SPE/ICoTA Coiled Tubing Conference and Exhibition  Houston  list your conference  view upcoming events   [IMAGE]   [IMAGE]    [IMAGE]    [IMAGE] [IMAGE]  Click here to go to Baker Hughes  AADE  HoverDril   [IMAGE]   [IMAGE]   promote your company      [IMAGE] [IMAGE]  [IMAGE]  OGJ 200/100 International on Diskette  [IMAGE] [IMAGE]  International Oil Company Financial Management in Nontechnical Language  [IMAGE] [IMAGE]  Oilwell Fishing Operations: Tools and Techniques, 2nd Ed.  [IMAGE]  [IMAGE]   [IMAGE]   more products   [IMAGE]      [IMAGE] [IMAGE]  featured equipment: National 110 M  [IMAGE]   Ideco DIR 805  [IMAGE]   [IMAGE]   [IMAGE]   more equipment      [IMAGE] [IMAGE]   featured jobs:  - Sales Engineer  - Project Manager- Drilling  - Emergency Response Coordinator/Deepwater   more hot jobs >>   featured candidates:  - Willing To Travel and Live Abroad  - Company Representative  - Cost Control Specialist   search for candidates >>   [IMAGE]   [IMAGE]     [IMAGE] [IMAGE]   Drillships:  To 5000':   ! 50.0% (7/14) +5000':   96.0% (24/25)  Semisubs:  2nd Gen:   69.9% (51/73) 3rd Gen:   86.0% (43/50) 4th Gen:   97.4% (37/3! 8) 5th Gen:   100.0% (7/7)  Jackups:  To 200':   53.7%  (36/67) 200' MC:   58.3% (14/24) 200' MS:   14.3% (3/21) 3! 00' IC:   88.5% (85/96) +300' IC:   92.6% (50/54) Severe Env.:   90.5% (19/21)  [IMAGE]   [IMAGE]   view complete utilization ! report      [IMAGE] [IMAGE]  Light Crude Oil:  $20.38/BBL  (2.52%) Brent Crude Oil:  $19.98/BBL  (4.17%) Natural Gas:  $2.13/MMBtu  (-1.39%) Unleaded Gasoline:  $0.60/gal  (9.09%) prices from:  2/1/2002 change since:  1/31/2002  [IMAGE]   [IMAGE]    [IMAGE] 	[IMAGE]
			[IMAGE]
			  Promotional Opportunities Become a Sponsor, feature your job opening or, advertise your  upcoming industry conference.  Click here  for more information, send your press release to  info@rigzone.com  or call us at 281-345-4040.   Member Services If you no longer wish to receive this newsletter, you may unsubscribe by clicking here  or by logging in to Rigzone and updating your profile.   You can also change the format you receive (HTML or Text) and your email address by logging in and updating your account.   Click here to log in .
			[IMAGE]


---------------------- Forwarded by Robert Badeer/HOU/ECT on 08/10/2000 09:29
AM ---------------------------

	Enron Capital & Trade Resources Corp.

	From:  CRCommunications <CRCommunications@caiso.com>
 08/09/2000 12:19 PM

To: ISO Market Participants
<IMCEAEX-_O=CAISO_OU=CORPORATE_CN=DISTRIBUTION+20LISTS_CN=ISO+20MARKET+20PARTI
CIPANTS@caiso.com>
cc: TSWG <TSWG@caiso.com>
Subject: CAISO NOTIFICATION: Request For Comments Regarding Adjustable Int
er-SC trades.

> As a result of the delay to 10 minute settlements, members of the SC's
> technical development staff via TSWG have expressed strong concern about
> the short time between the scheduled release of 10 minute settlements and
> adjustable inter-SC trades functionality.   Adjustable inter-SC trades are
> currently scheduled for September 11 release.   The adjustable inter-SC
> trade functionality was identified by Market Participants as a very
> important functionality that should be released ASAP.   Prior to the ISO
> making any final decisiions on propsoed schedule changes rollout of the
> adjustable inter-SC trade functionality, the ISO is seeking additional
> feedback from both the business and technical sides of the Market
> Participants.    Please provide your recommendation and any impact a
> change of scheduled rollout of 2-3 weeks for adjustable inter-SC trades
> would have on your business and systems to Jim Blatchford by Friday,
> August 11.
>
> Mark Rothleder
> Manager of Market Operations
> CAISO


Jennifer/Darren
Would you please forward to Lisa Maillet (Fax# 508-786-7201) a copy of the
Transaction Confirmation sheet regarding the gas (2,977 MMBtu at LSP
interconnect with Oasis-Waha and 5,000 MMBtu at LSP interconnect with PG&E
NTP-36" Maypearl) MELP, as limited agent for ABB Alstom Power Inc, purchased
from Houston Pipe Line this past Wednesday (3/29/00).
Thanks
Trey


Mike:  An ISDA Master Agreement is currently in the works for Deseret.  Marie
Heard is the paralegal and I'll probably take a look at the document.  Please
bear with us as we have lost one of our attorneys and are swamped.  Thanks.
Sara


Please find attached the risk pool report as of 9/04/01.