From: Henry Sommer [henry@henrysommer.com]
Sent: Saturday, January 20, 2007 10:15 AM
To: O. Max Gardner III
Cc: John Rao
Subject: Re: Discover v New Vision Financial.pdf

As I read the forward flow agreement, the buyer has no right even to obtain all of the documents (credit application, credit agreement and all amendments, payment and charge history) that would be necessary to determine the amount due. Is that how you read it?

O. Max Gardner III wrote:
> I am attaching a complaint involving a Forward Flow Agreement.
>
> O. Max Gardner III
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