Refund for Managing Credit Risk Seminar March 22-23,2001

Tricia, thank you for Kay Mann's refund in the amount of $500 for the
above-referenced seminar. The cost of the seminar, however, was $595. I
cancelled this seminar two days before the cancellation deadline of March13,
2001 (cancellation number X197033661), but Kay was still charged the $95
cancellation administrative fee. Please advise when she can expect this $95
to be credited to her American Express card.

Thanks, Suzanne Adams