**Johnson & Higgins**
95 Wall Street
New York, New York 10005

**TO:** National Union Chuck Charelli
**DATE:** 4/25/81
**SUBJECT:** Excess Umbrella

**MESSAGE**

Per our conversation, attached is a copy of my letter to Dennis Birth dated 7/24/80.
Anything you can do to clear up the outstanding items is appreciated.

Signed: Fred Michel

**REPLY**

APR 24 1981

**SIGNED:** [Signature]
**DATE:** [Date]

**RECEIVER:** WRITE REPLY, DETACH STUB, KEEP PINK COPY, RETURN WHITE COPY TO SENDER.