First Union Securities, Inc.

We hope you will be our guest at this year's First Union Securities CEO
Summit being held on Fisher Island, Florida, October 24 - October 26, 2001.
Attached is a file that highlights the Summit's program content, as well as
the many amenities and recreational activities offered to participants.
Additional information will be forthcoming.

 <<CEOSummit.exe>>
Steve Cummings
Co-Head of Capital Markets
First Union Securities, Inc.
(704) 383-6640
Fax: (704) 715-1856
steve.cummings@capmark.funb.com


 - CEOSummit.exe