CONTACTS 
0201 - Maryland Bank                        800 441 9977
020101 - Mr. Peter Sheff; Senior Account Manager  =800 421 2100
020102 - Customer Satisfaction Department =800 421 2110
0202 - MBNA - Maryland Bank, NA             800 441 9977
020201 - Wilmington, DE
020202 - Ms. Janelle Siebenschuh; Supervisor  =800 215 9627 ext 53025
020203 - Customer Satisfaction Department =800 421 2110
0203 - MBNA - Maryland Bank, NA             800 441 9977
020301 - Wilmington, DE
020302 - Mr. Joe Maloy
020303 - Senior Account Manager  =800 589 6457 ext 54366
020304 - Customer Satisfaction Department =800 421 2110
0204 - Maryland Bank                        800 441 9977
020401 - Mr. Damon Green; Senior Account Manager  =800 589 6457 ext
020402 - Customer Satisfaction Department =800 421 2110

SUBJECTS
MBNA CDW Fails Honor RMA Defective HP Notebook Computer
MBNA Mishandled Check #2565

0704 -    ..
0705 - Summary/Objective
0706 -
070601 - Follow up ref SDS 54 0000, ref SDS 53 0000.
070602 -
070603 - Damon Green called called last night about 2010 or so.  I was busy
070604 - getting SDS put back together, per record on 010301. ref SDS 56 0001
070605 -
070606 - Damon asked about status of payment this month.
070607 -
070608 - Advised that check #2398 was mailed today in the amount of $100.
070609 -
070610 - Damon asked if more money could be paid this month in accordance with
070611 - discussions previously by Peter Scheff on 010206. ref SDS 52 TY7H
070612 -
070613 - Explained that payment to MBNA reflects maximum funds available for
070614 - the MBNA account at this time.
070615 -
070616 - Damon requested more time to explore opportunities for resolving the
070617 - matter more in line with MBNA objectives.
070618 -
070619 - Explained I am busy, and asked him to call back the next day, which
070620 - is today.
070621 -
070622 - Damon said he would call back tomorrow morning, which is the call he
070623 - made this morning.
070624 - ..
070625 - About 10 minutes after the call from Damon last night, another
070626 - person from Damon's office called and said he has ideas to present for
070627 - resolving the Welch account.
070628 -
070629 - We reviewed understandings that Damon plans to call tomorrow on this
070630 - matter.
070631 -
070632 -
070633 -      *******************************
070634 -
070635 - In Damon's call this morning, following up the two calls last night,
070636 - he reviewed some account history showing, which was previously cited
070637 - by Peter Scheff on 010131, ref SDS 51 HM4F, and again on 010206.
070638 - ref SDS 52 WO4H
070639 -
070640 - Damon noted the bank is disappointed that payment of $410 cannot be
070641 - submitted this month, as planned with Peter on 010206. ref SDS 52 VV8L
070642 -
070643 - I expressed regret that if MBNA is paid more than $100 this month,
070644 - then this will impair the chances of continuing payments in good
070645 - faith, due to cash flow issues, as discussed with Damon on 010220.
070646 - ref SDS 54 0001
070647 -
070648 - Damon reviewed account history showing obligations incurred and
070649 - efforts to schedule an orderly retirement of the debt.
070650 -
070651 - He did not offer new ideas, which the second caller from MBNA last
070652 - night planned to submit today. ref SDS 0 OT5K
070653 -
070654 - Damon said the account will be charged off and given over to a
070655 - collecton agency if additional payments are not made within 2 months.
070656 -
070657 -
070658 -
0707 -
0708 -
0709 - 1507
0710 -
071001 - Received message from Joe Maloy, who said he is a bank officer with
071002 - MBNA.
071003 -
071004 - He is following up Damon's call, and indicated he has discussed the
071005 - matter with Peter Scheff, and with Janelle.
071006 -      ..
071007 -      This may be Jannelle Siebenschuh, who was effective
071008 -      handling the problem with CDW, but may have contributed to the
071009 -      current problem that resulted in our not being able to transfer
071010 -      current obligations to First Bank. on 000926. ref SDS 30 C69H and
071011 -      again on 000927. ref SDS 31 4W4F
071012 -
071013 - Joe requested a call back to address ideas he has for handling the
071014 - account.  His number is....
071015 -
071016 -
071017 -                       800 589 6457 ext 54366
071018 -
071019 -
071020 -
071021 -  ..
0711 -
0712 -
0713 - 1824
0714 -
071401 - Called Joe back
071402 -
071403 - Talked to Diane Rozelle.  She asked for the account number, then
071404 - transferred the call to Joe's extension, 54366.
071405 -
071406 - Was on hold for about 5 minutes.
071407 -
071408 -  ..
071409 -
071410 - Joe said he now has control of the account.  He said nobody else will
071411 - be calling us.
071412 -
071413 - We reviewed the history of the account, where this representation has
071414 - been made several times previously.
071415 -
071416 - Joe said he put a note in the MBNA computer record for nobody else to
071417 - call us, so he feels confident, he has control of the account.
071418 - ..
071419 - Joe said he talked to Jannel about our account.  Jannel is at
071420 - home on maternity leave, but Joe called her there, and she recalled
071421 - our discussions in September, per above. ref SDS 0 CQ4F Joe said
071422 - Jannel was helpful to him in understanding the account.
071423 -
071424 - Joe, also, spoke to Peter Scheff, and was told about the obligations
071425 - to Caltrans, and to UPR, which were disclosed to Peter in the telecon
071426 - on 010131. ref SDS 51 EU5I
071427 -
071428 - Joe related the fact that up until the MBNA matter, his research
071429 - shows Welch has a perfect credit history.
071430 -
071431 - Joe said that in about 45 days, if the account is not current, MBNA
071432 - will be required by law to transfer the account to a collection
071433 - agency.  He explained that collection agencies bid from .05 to .20 on
071434 - the dollar to get the right to seek recovery.
071435 - ..
071436 - We reviewed current history showing no revenue stream from sales
071436 - over the past several years, but favorable activity this past year
071436 - shows we have a software product that uniquely supports KM, as
071436 - reported in the record on 000425. ref SDS 5 0480  Since this is a new
071436 - field, we are struggeling to foster a market, within the meaning
071436 - disruptive technology, reviewed in the record on 990527. ref SDS 2
071436 - 0001
071442 -
071443 - The breakthrough this technology provides for replacing wordprocessing
071444 - and email, which are the two most common uses of PC, was explained in
071445 - a sales meeting last week, on 010228. ref SDS 55 M45G
071446 -
071447 - I explained discussions underway about forming a start up that, if
071448 - successful, will yield revenue for paying MBNA's obligation, however,
071449 - there is no imminent solution, nor pending offer that can be relied
071450 - upon at this time to establish a payment schedule for MBNA, other than
071451 - the present effort to pay $100 to preserve sufficient cash for
071452 - operations.
071453 -
071454 - Gave example of meeting with Pacific Consultants last week, which was
071455 - presented initially as an offer to utilize Welch technology in a
071456 - governemnt contract.  However, the actual meeting revealed the firm
071457 - does not have present plans to apply Welch technology. ref SDS 55 ET5O
071458 - There was indication this firm might pitch Welch technology to its
071459 - clients. ref SDS 55 0O9M
071460 - ..
071461 - Proposal.....
071462 -
071463 -    Suggested Joe consider with his colleagues the following
071464 -    solution...
071465 -
071466 -       Convert Welch obligation to $16K as proposed by Peter in the
071467 -       call on 010206. ref SDS 52 WO5O  Attribute the difference
071468 -       between current amount MBNA shows is due and the $16K amount, to
071469 -       settlement of damages claimed by the customer against the bank
071470 -       for failure to perform and mal administration of the account,
071471 -       submitted to the bank on 001206. ref SDS 47 F49I
071472 -
071473 -       Welch will continue paying $100 per month for 6 months.  At the
071474 -       end of that time, we will assess the situation.  If Welch's ship
071475 -       has come in, will pay off the obligation, and if not, search for
071476 -       a mutually agreeble solution.
071477 -
071478 - Joe will review this idea with the MBNA team, and call back.
071479 -
071480 -     [On 010320 Mike Styles called for Joe. ref SDS 58 0001
071481 -
071482 -     [On 010317 report payment to MBNA on 010306 of $100 for good faith
071483 -     performance of proposed settlement. ref SDS 57 F55K
071484 -
071485 -
071486 -
071487 -
071488 -
0715 -
0716 -