We would like to express our thanks to you for the service rendered regarding the in-house training program of Strategic Credit Management in May 2002.

     During the sessions, your thorough knowledge and experience provided us more specific, effective and innovative ways to run the credit management.  It was useful, practical, helpful and valuable to us.  We will continue using such approach and doing the best in the coming year.

    We are obliged to you for the special care you had given in this matter.