==================================    ==================================
2004-04-21 statement, paid 2004-05-13
    non bmg         1773.00
    bmg fraud       1653.85
    paid **         3426.85



==================================    ==================================
2004-05-21 statement, paid 2004-06-13
    bmg fraud       2796.14
    bmg credits     -149.52
    bmg net fraud   2646.62
    non bmg         2127.75
    total charges   4923.89
    total bill      4774.37
    paid **         1978.23 -- should have been 2127.75 to include bmg credits

    total bmg fraud to date 1653.85
                            2646.62
                            -------
                            4300.47


==================================    ==================================
2004-06-21 statement, paid 2004-07-13
    non bmg         2283.20
    other credits    -19.38
    net non bmg     2263.82
    bmg credits     1992.05
    total bill      3067.91
    paid **         2283.20  -- should have been 2263.82 to include other credits


    total bmg fraud to date  4300.47
                            -1992.05
                            --------
                             2308.42

    chase total                 3067.91
    net non bmg                 2263.82
    bmg net fraud from 6/13     2646.62
    bmg credits   from 7/13    -1992.05
    non bmg unpaid from 6/13     149.52



==================================    ==================================
2004-07-22 statement, paid 2004-07-31
    bmg credits       60.32
    non bmg         1796.37
    paid **         1796.37

    total bmg fraud to date  2308.42
                              -60.32
                            --------
                             2248.10

    chase total                 2559.71
    finance charges               38.95     reversed next month
    non bmg                     1796.37
    bmg net fraud from 6/13     2646.62
    bmg credits   from 7/13    -1992.05
    other credits from 7/13      -19.38
    bmg credits   from 7/31      -60.32
    non bmg unpaid from 6/13     149.52



==================================    ==================================
2004-08-20 statement, paid 2004-08-28
    paid **         2406.84


    chase total                 3001.09
    non bmg                     2276.70
    other credits from 7/13      -19.38
    non bmg unpaid from 6/13     149.52
    bmg net fraud from 6/13     2646.62
    bmg credits   from 7/13    -1992.05
    bmg credits   from 7/31      -60.32

At this point, the amount in dispute is $594.25 (from the 2004-05-21
statement that we have not paid to Chase) plus $1653.85 (from the
2004-04-21 statement that we have paid to Chase), for a total of
$2248.10.


==================================    ==================================
2004-09-22 statement, paid 2004-09-28

    bmg dispute unpaid           594.25
    non bmg                     1955.65
    chase total                 2549.90

Based on accounting records that bmg finally supplied, we find $172.21
in proper charges, so the amount in dispute has dropped from $2248.10 to
$2075.89.

We would normally pay the non bmg charges of $1955.65, but we are
deducting the bmg disputed charges to bring the total "bmg dispute
unpaid" amount up to the total of $2075.89.

    non bmg                     1955.65
    bmg dispute unpaid          1481.64
    paid **                      474.01

At this point, the amount in dispute is $2075.89, and I don't expect
that number to change.


==================================    ==================================
2004-10-21 statement, paid 2004-10-27

    bmg dispute unpaid          2075.89
    finance charges               35.30     reversed next month
    non bmg                     1682.01     ** paid
    chase total                 3793.20


==================================    ==================================
2004-11-19 statement, paid 2004-11-28

    bmg dispute credited        2075.89     chase finally takes the money from bmg
    finance charges               35.30     reversed this month
    non bmg                     1783.50
    finance charges              -35.30     duplicate credit?
    finance charges              -32.00     unexplained credit
    chase total                 1716.20     ** paid