Insurance & Financial Services Directory 2004.

ALL LISTINGS IN THIS DIRECTORY       FINANCIAL SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Accounting/Financial Services  Auditing
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions                        *

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs

Association Services Group of                 *                   *
Johnson Lambert & Co.

BDO Seidman, LLP                              *                   *

Bernstein Investment Research
& Management

Branch Banking &
Trust

Calibre CPA Group, PLLC                       *                   *

Chapin Owen & Sandstrom, P.A.                 *                   *

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,                          *                   *
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman                  *                   *
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock

JZA, Inc.

Kamerow, Weintraub & Swain,                                       *
LLP

Langan Associates, P.C., CPAs                 *                   *
and Consultants

Legg Mason's ASAE Association                 *
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC                 *                   *

Marsh Affinity Group Services

McQuade Brennan, LLP                          *                   *

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman                   *                   *
CPAs

RSM McGladrey, Inc.                           *

Smith Barney

St. Paul Insurance Co.

SunTrust Bank                                 *

Tate and Tryon CPAs and                       *                   *
Consultants

Wachovia Bank                                 *

ALL LISTINGS IN THIS DIRECTORY       FINANCIAL SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Credit Card Affinity Programs
Advanta Bank Corp.                            *

Affinity Marketing Group                      *

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.                           *

Association Health Programs

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock

JZA, Inc.

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                                 *

ALL LISTINGS IN THIS DIRECTORY       FINANCIAL SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Credit Card Merchant Services
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.                           *

Association Health Programs

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking &                              *
Trust

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant                       *
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock

JZA, Inc.

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank                                    *

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank                                 *

Tate and Tryon CPAs and
Consultants

Wachovia Bank                                 *

ALL LISTINGS IN THIS DIRECTORY        FINANCIAL SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Deferred Compensation Packages
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock                                  *

JZA, Inc.

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank                                 *

Tate and Tryon CPAs and
Consultants

Wachovia Bank                                 *

ALL LISTINGS IN THIS DIRECTORY      FINANCIAL SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Financial/Banking Services
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.               *

Allianz/Fireman's Fund                      *

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions                      *

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.                          *

ASAE Services, Inc.                         *

Association Health Programs

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                      *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank                            *
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.               *

Dembo, Jones, Healy,                        *
Pennington & Marshall, P.C.

First National Merchant                     *
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock

JZA, Inc.

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association

Investment Program

M & T Bank                                  *

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services               *

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley                              *

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney                                *

St. Paul Insurance Co.

SunTrust Bank                               *

Tate and Tryon CPAs and
Consultants

Wachovia Bank                               *

ALL LISTINGS IN THIS DIRECTORY  FINANCIAL SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Investment Planning  Mortgage Services
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs              *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP
Bernstein Investment Research            *
& Management

Branch Banking & Trust                   *                   *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,                     *
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock                             *

JZA, Inc.                                *

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services

McQuade Brennan, LLP                     *

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley                           *

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group                *

Reznick, Fedder & Silverman              *
CPAs

RSM McGladrey, Inc.                      *

Smith Barney                             *

St. Paul Insurance Co.

SunTrust Bank                            *                   *

Tate and Tryon CPAs and
Consultants

Wachovia Bank                            *                   *

ALL LISTINGS IN THIS DIRECTORY  FINANCIAL SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Payroll Services  Retirement Plans
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions                 *

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.                                      *

Association Health Programs            *                 *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research                            *
& Management

Branch Banking & Trust                 *                 *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock                                             *

JZA, Inc.                                                *

Kamerow, Weintraub & Swain,            *                 *
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank                                               *

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group                                *

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank                                            *

Tate and Tryon CPAs and
Consultants

Wachovia Bank                                            *

ALL LISTINGS IN THIS DIRECTORY      FINANCIAL SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Tax Planning & Preparation
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs

Association Services Group of               *
Johnson Lambert & Co.

BDO Seidman, LLP                            *

Bernstein Investment Research
& Management

Branch Banking & Trust

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.               *

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,                        *
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman                *
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock

JZA, Inc.

Kamerow, Weintraub & Swain,                 *
LLP

Langan Associates, P.C., CPAs               *
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC               *

Marsh Affinity Group Services

McQuade Brennan, LLP                        *

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman                 *
CPAs

RSM McGladrey, Inc.                         *

Smith Barney

St. Paul Insurance Co.

SunTrust Bank

Tate and Tryon CPAs and                     *
Consultants

Wachovia Bank

ALL LISTINGS IN THIS DIRECTORY      FINANCIAL SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Third-Party Administration
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs                 *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,

Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions

JLT Services Corp.                          *

John Hancock

JZA, Inc.                                   *

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services               *

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group                            *

The Princeton Corp.                         *

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                               *

ALL LISTINGS IN THIS DIRECTORY  INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Casualty Insurance
Advanta Bank Corp.

Affinity Marketing Group                *

AIG American General Life Co.

Allianz/Fireman's Fund                  *

American Fidelity Assurance
Co.

American Program Underwriters,          *
Inc.

Amica Mutual Insurance Co.              *

Aon Affinity Insurance                  *
Services

Aon Association Services                *

AON Worksite Solutions

Armfield, Harrison & Thomas             *
Insurance

ASAE Insurance Co.                      *

ASAE Services, Inc.                     *

Association Health Programs

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                  *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,

Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions                 *

JLT Services Corp.

John Hancock

JZA, Inc.                               *

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association

Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services           *

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.                *

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group             *

The Novick Group                        *

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.                  *

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                           *

ALL LISTINGS IN THIS DIRECTORY         INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Convention Cancellation Insurance
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services                        *

AON Worksite Solutions

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.                             *

Association Health Programs                     *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                          *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions                         *

JLT Services Corp.

John Hancock

JZA, Inc.                                       *

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association

Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services                   *

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.                        *

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group                                *

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                                   *

ALL LISTINGS IN THIS DIRECTORY   INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Disability Insurance
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance              *
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance                   *
Services

Aon Association Services

AON Worksite Solutions                   *

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs              *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                   *


Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions                  *

JLT Services Corp.                       *

John Hancock                             *

JZA, Inc.                                *

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association

Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services            *

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group

The Princeton Corp.                      *

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                            *

ALL LISTINGS IN THIS DIRECTORY  INSURANCE
ARE PAID LISTINGS, WITH          SERVICES
INFORMATION PROVIDED BY EACH
COMPANY.

                                Endowments
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research       *
& Management

Branch Banking & Trust              *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock

JZA, Inc.

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association

Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley                      *

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank                       *

Tate and Tryon CPAs and
Consultants

Wachovia Bank                       *

ALL LISTINGS IN THIS DIRECTORY       INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Foundation & Insurance Trusts
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund

American Fidelity Assurance
Co.

American Program Underwriters,
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance                        *
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research                 *
& Management

Branch Banking & Trust                        *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,

Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions

JLT Services Corp.

John Hancock                                  *

JZA, Inc.

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley                                *

National Professional Group

The Novick Group                              *

The Princeton Corp.                           *

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank                                 *

Tate and Tryon CPAs and
Consultants

Wachovia Bank                                 *

ALL LISTINGS IN THIS DIRECTORY       INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Group & Optional Health Plans
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.                 *

Allianz/Fireman's Fund

American Fidelity Assurance                   *
Co.

American Program Underwriters,                *
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance                        *
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas                   *
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs                   *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                        *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions                       *

JLT Services Corp.                            *

John Hancock

JZA, Inc.

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association

Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services                 *

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                                 *

ALL LISTINGS IN THIS DIRECTORY  INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Insurance Broker  Insurance Underwriters
Advanta Bank Corp.

Affinity Marketing Group               *

AIG American General Life Co.

Allianz/Fireman's Fund                                      *

American Fidelity Assurance
Co.

American Program Underwriters,         *                    *
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance                 *
Services

Aon Association Services               *                    *

AON Worksite Solutions

Armfield, Harrison & Thomas            *
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs            *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                 *                    *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions                *

JLT Services Corp.                     *

John Hancock                           *

JZA, Inc.                              *

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association

Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services          *

McQuade Brennan, LLP

Media/Professional Insurance                                *

MIMS International, Ltd.               *

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group            *

The Novick Group                       *

The Princeton Corp.                    *

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.                 *                    *

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                          *                    *

ALL LISTINGS IN THIS DIRECTORY  INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Life Insurance  Long-Term Care Insurance
Advanta Bank Corp.

Affinity Marketing Group              *

AIG American General Life Co.         *

Allianz/Fireman's Fund

American Fidelity Assurance           *
Co.

American Program Underwriters,                             *
Inc.

Amica Mutual Insurance Co.            *

Aon Affinity Insurance                *                    *
Services

Aon Association Services

AON Worksite Solutions                *

Armfield, Harrison & Thomas
Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs           *                    *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                *                    *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding                                  *
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions               *                    *

JLT Services Corp.                    *                    *

John Hancock                          *                    *

JZA, Inc.                             *                    *

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services         *                    *

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.

Minnesota Life Insurance Co.          *

Morgan Stanley

National Professional Group                                *

The Novick Group

The Princeton Corp.                   *                    *

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                         *                    *

ALL LISTINGS IN THIS DIRECTORY         INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Professional Liability Insurance
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund                         *

American Fidelity Assurance
Co.

American Program Underwriters,                 *
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance                         *
Services

Aon Association Services

AON Worksite Solutions

Armfield, Harrison & Thomas                    *
Insurance

ASAE Insurance Co.                             *

ASAE Services, Inc.                            *

Association Health Programs

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                         *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions                        *

JLT Services Corp.                             *

John Hancock

JZA, Inc.                                      *

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services                  *

McQuade Brennan, LLP

Media/Professional Insurance                   *

MIMS International, Ltd.                       *

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group                    *

The Novick Group                               *

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                                  *

ALL LISTINGS IN THIS DIRECTORY  INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Property Coverage  Travel Insurance
Advanta Bank Corp.

Affinity Marketing Group                *

AIG American General Life Co.

Allianz/Fireman's Fund                  *

American Fidelity Assurance
Co.

American Program Underwriters,          *
Inc.

Amica Mutual Insurance Co.              *

Aon Affinity Insurance                  *                 *
Services

Aon Association Services                *

AON Worksite Solutions

Armfield, Harrison & Thomas             *
Insurance

ASAE Insurance Co.                      *

ASAE Services, Inc.                     *

Association Health Programs             *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                  *                 *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions                 *                 *

JLT Services Corp.                      *

John Hancock

JZA, Inc.                               *                 *
Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services           *                 *

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.                *                 *

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group             *

The Novick Group                        *                 *

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.                  *

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                           *                 *

ALL LISTINGS IN THIS DIRECTORY        INSURANCE SERVICES
ARE PAID LISTINGS, WITH
INFORMATION PROVIDED BY EACH
COMPANY.

                                Workers' Compensation Insurance
Advanta Bank Corp.

Affinity Marketing Group

AIG American General Life Co.

Allianz/Fireman's Fund                         *

American Fidelity Assurance
Co.

American Program Underwriters,                 *
Inc.

Amica Mutual Insurance Co.

Aon Affinity Insurance                         *
Services

Aon Association Services                       *

AON Worksite Solutions

Armfield, Harrison & Thomas                    *

Insurance

ASAE Insurance Co.

ASAE Services, Inc.

Association Health Programs                    *

Association Services Group of
Johnson Lambert & Co.

BDO Seidman, LLP

Bernstein Investment Research
& Management

Branch Banking & Trust                         *

Calibre CPA Group, PLLC

Chapin Owen & Sandstrom, P.A.

Chevy Chase Bank
Not-For-Profit Banking Group

Coventry CareLink Holding
Corp.

CUNA Strategic Services, Inc.

Dembo, Jones, Healy,
Pennington & Marshall, P.C.

First National Merchant
Solutions

Gelman, Rosenberg & Freedman
CPAs

Hays Affinity Solutions                        *

JLT Services Corp.                             *

John Hancock

JZA, Inc.                                      *

Kamerow, Weintraub & Swain,
LLP

Langan Associates, P.C., CPAs
and Consultants

Legg Mason's ASAE Association
Investment Program

M & T Bank

Mann, Weitz & Associates, LLC

Marsh Affinity Group Services

McQuade Brennan, LLP

Media/Professional Insurance

MIMS International, Ltd.                       *

Minnesota Life Insurance Co.

Morgan Stanley

National Professional Group

The Novick Group                               *

The Princeton Corp.

Principal Financial Group

Reznick, Fedder & Silverman
CPAs

RSM McGladrey, Inc.

Smith Barney

St. Paul Insurance Co.                         *

SunTrust Bank

Tate and Tryon CPAs and
Consultants

Wachovia Bank                                  *