----- Forwarded by Josie Castrejana/Houston/Eott on 07/10/2001 04:05 PM -----


	Lawrence Clayton Sent by: Earlene Ackley 12/21/2000 03:52 PM 	   To: Josie Castrejana/Houston/Eott@Eott, Molly Sample/Houston/Eott@Eott  cc:   Subject: Credit Risk Management Policy