Bill,

I am forwarding a memo from Vincent Tang about the new credit model.
English may be imperfect but the message is clear.

Vince



---------------------- Forwarded by Vince J Kaminski/HOU/ECT on 02/10/2000 
02:31 PM ---------------------------


Vincent Tang
02/08/2000 02:43 PM
To: Vince J Kaminski/HOU/ECT@ECT, Grant Masson/HOU/ECT@ECT, Tanya 
Tamarchenko/HOU/ECT@ECT
cc:  
Subject: Credit Model Status update