CONTACTS 
0201 - Maryland Bank, NA                  800 441 9977
020101 - Ms. Suzette Longacre; Customer Advocate
020102 - Disputes Department  =800 nnn xxxx fax 302 456 8923
0202 - Golden Gatweay Center                415 434 2000
020201 - Mr. Allen Powers; Operations Manager =Telephone
020202 - Accounting Department

SUBJECTS
SDS Marketing, Developing Leads, Industry Contacts
MBNA Credit Account
MBNA $15K

0505 -    ..
0506 - Summary/Objective
0507 -
050701 - Follow up ref SDS 8 0000.
050702 -
050703 -
050704 -
050705 -
0508 -
0509 -
0510 - Discussion
0511 -
051101 - Talked to Michael.
051102 - ..
051103 - Talked to Tina Azzanesi
051104 -
051105 -    They have a new promotional offer.
051106 -
051107 -    The rate is 3.9% with no transaction charge.
051108 -
051109 -    On the July billing the rate increases to 12.97%
051110 -
051111 - This is considerably better than the Firstcard offer which is 3.99%
051112 - until April, and we can only borrow $5K at that rate.
051113 -
051114 - I decided to borrow $15K to lock in favorable terms.
051115 -
051116 - Tina advised the bank will receive the funds within 4 - 6 business
051117 - days.
051118 -
051119 -       [On 000810 borrowed another $20K. ref SDS 10 0001
051120 -
051121 -    If we are late with a payment, then the remaining balance reverts
051122 -    to the contract rate of 12.97% unless circumstances justify the
051123 -    delay.
051124 -
051125 -
051126 -
051127 -
0512 -
0513 -
0514 - 1213 called Cal Fed
0515 -
051501 - Talked to Customer Service, Tawny
051502 -
051503 - She feels there is nothing we can do to accomodate the transfer
051504 - process that will be completed within 4 - 6 days.
051505 -
051506 - Tawny suggests calling...
051507 -
051508 - Charles Peneda Branch Manager at Cal Fed.
051509 -
051510 -
0516 -
0517 -
0518 - 1221 called Charles
0519 -
051901 - He said it is difficult to flag an overdraft matter, because the
051902 - computers are set up to start charging people immediately, since it
051903 - comprises revenue for the bank.
051904 -
051905 -
051906 -
051907 -
0520 -
0521 -
0522 - 1228 called Golden Gateway
0523 -
052301 - Asked for Allen Powers to review conflicting billings.
052302 -
052303 - Allen has left the firm.  Allen Anderson has the job of Operations
052304 - Manager.
052305 -
052306 - Left message for Allen to call back.
052307 -
052308 -
052309 -
0524 -
0525 -
0526 - 1223 Allen called back
0527 -
052701 -
052702 -
052703 -
052704 -
0528 -
0529 -
0530 - 1445 Talked to May
0531 -
053101 - I asked May to hold the check until next Tuesday, per above
053102 - transaction.
053103 -
053104 - She checked our file.
053105 -
053106 - She feels we have an exemplary record, so she will help us out.
053107 -
053108 -
053109 -
053110 -
053111 -
053112 -
053113 -