Bonita Williams,
      The Tandem Group, Inc.

         8336 Tifton Rd., Charlotte, NC 28226
      Tel: 704-540-1401
bwilliams@tandeminsurance.net    www.tandeminsurance.net

    Jacquie Habenicht - President

    Benefit Empowerment, Inc.

    Tel: 704-545-9568 or 800-545-9285

   Fax: 704-573-4365
jacquieh@benefitempowerment.com  www.BenefitEmpowerment.com

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