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Nov 2002

I. General Disclaimer This website ("site") is offered to the public by Lifeinsurancebrokers.com Ltd ") for informational use only. Any person using information from this site ("user") agrees to be bound by this Disclaimer and Terms of Use.

You are encouraged to personally interview, obtain references and reach an independent decision about your choice of Insurance or financial adviser. Selection of a participating professional to represent or advise you in any matter is your sole responsibility.

This directory is provided for informational purposes only and is not an endorsement, recommendation, or guarantee of any service, product, or professional. The selection of a professional listed in the directory and the transaction of business with such person is your sole responsibility and should be undertaken only after thorough investigation and analysis. Lifeinsurancebrokers.com receives fees for each person listed in the directory. No fees are received whether or not a client uses a particular adviser.

Any information Insurance or financial advice provided by any person, financial adviser, certified public accountant, member of the marketing program, financial planner or adviser ("adviser") is the sole responsibility of the adviser, who is independent of Lifeinsurancebrokers.com Ltd . Neither Lifeinsurancebrokers.com Ltd guarantees or warrants the accuracy, quality, completeness or validity of any information contained on, distributed through, or accessed from this site. Lifeinsurancebrokers.com Ltd expressly disclaim any and all warranties of any kind, whether express or implied.

By submitting any information to this site, contacting an adviser or authorizing a adviser to contact user, user acknowledges that user has read any additional disclaimers appearing on or accessed from an adviser's listing and this Disclaimer and Terms of Use and agrees to be bound by its terms. User also agrees not to hold Lifeinsurancebrokers.com Ltd or any agents, affiliates or successors, liable for any and all claims for damages resulting from an adviser's advice or any representation of any user or from use of this site or information provided by or related to an adviser.

The information contained in this site is not an endorsement or recommendation of any adviser on the part of Lifeinsurancebrokers.com Ltd. Neither Lifeinsurancebrokers.com Ltd provide legal advice or guarantee the suitability of any professional. This site is an advertisement and should not be interpreted as a recommendation of, or referral to a specific adviser. Selection of a adviser to represent user in any legal matter is the sole responsibility of user.

Lifeinsurancebrokers.com Ltd receives a fee for each person listed in the directory and may receive other fees for services provided to such persons.

This site is not operated by an organization, agency, or governmental body that certifies the specialty of or tests the competency of the advisers or is authorized by any jurisdiction to do so. To be eligible for a listing on this site, participants had to assert that they met certain minimum criteria:

· Licensed to sell Insurance products
* does not engage in the sale of proprietary products
*may hold a registered CFP, CPA or RIA CLU, CHFC ,CFSB or other industry designation

No information contained on this site shall be construed as a participant holding himself or herself out as a specialist unless specifically claimed in a participant's listing in a manner consistent with state regulations.

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II. Province and State Required Disclaimers and Citations to Rules

Every state or Province has rules of conduct for attorneys that govern insurance or lawyer advertising and which may apply to the listing you are viewing. You may find the text of these rules in the sources indicated below. In addition, if a state/province requires specific language to accompany an advertisement, that language is also provided below.

· Alabama

No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. Alabama Rules of Professional Conduct, Rule 7.2(e)

See Alabama Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Alaska

The Alaska Bar Association does not accredit or endorse certifying organizations. Alaska Rules of Professional Conduct, Rule 7.4(a)(2)

See Alaska Rules of Professional Conduct, Rules 7.1, 7.2

· Arizona

See Arizona Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Arkansas

See Arkansas Model Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· California

See California Rules of Professional Conduct, Rule 1-400

· Colorado

Colorado does not certify attorneys as specialists in any field. Colorado Rules of Professional Conduct, Rule 7.4

See Colorado Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Connecticut

See Connecticut Rules of Professional Conduct, Rules 7.1, 7.2, 7.4, 7.4A

· Delaware

See Delaware Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· District of Columbia

See D.C. Rules of Professional Conduct, Rule 7.1

· Florida

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask the lawyer to send you free written information about his or her qualifications and experience. Florida Rules of Professional Conduct, Rule 4-7.3(b)

See Florida Rules of Professional Conduct, Rule 4-7

· Georgia

See Georgia Code of Professional Responsibility, DRs 2-101, 2-105

· Hawaii

There is no procedure for review or approval of specialist certification organizations in Hawaii. Hawaii Rules of Professional Conduct, Rule 7.4(c)

See Hawaii Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Idaho

See Idaho Rules of Professional Conduct, Rules 7.1, 7.2, 7.4, 7.5

· Illinois

The Supreme Court of Illinois does not recognize certifications of specialties in the practice of law. Any certificate, award or recognition by an agency, governmental or private, or by any group, organization or association used by an Illinois attorney to describe his or her qualifications as a lawyer or in any subspecialty of law is not a requirement to practice law in Illinois. Illinois Rules of Professional Conduct, Rule 7.4(c)

See Illinois Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Indiana

See Indiana Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Iowa

The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is required by rule of the Supreme Court of Iowa.

Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or field of practice does not mean that a lawyer is a specialist or expert in a field of law, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer.

A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist or expert in an indicated field of law practice, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer.

All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa

See Iowa Code of Professional Responsibility for Lawyers, DRs 2-101, 2-105

· Kansas

See Kansas Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Kentucky

See Kentucky Rules of Professional Conduct, Rules SCR 3.130 (7.01), SCR 3.130 (7.02), SCR 3.130(7.10), SCR 3.130(7.20), SCR 3.130(7.40)

· Louisiana

See Louisiana Rules of Professional Conduct, Rules 7.1, 7.4

· Maine

See Maine Code of Professional Responsibility, Rules 3.8, 3.9

· Maryland

See Maryland Lawyer's Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Massachusetts

If an attorney holds himself out as certified in a particular area of law, the certifying organization is a private organization whose standards for certification are not regulated by the Commonwealth of Massachusetts. Massachusetts Rules of Professional Conduct, Rule 7.4(b)

See Massachusetts Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Michigan

See Michigan Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Minnesota

See Minnesota Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Mississippi

FREE BACKGROUND INFORMATION AVAILABLE UPON REQUEST. Mississippi Rules of Professional Conduct, Rule 7.4(a)

See Mississippi Rules of Professional Conduct, Rules 7.1, 7.2, 7.4, 7.6

· Missouri

Neither the Supreme Court of Missouri nor The Missouri Bar reviews or approves certifying organizations or specialist designations. Missouri Rules of Professional Conduct, Rule 7.4

See Missouri Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Montana

See Montana Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Nebraska

See Nebraska Code of Professional Responsibility, DR 2-101

· Nevada

The State Bar of Nevada does not certify any lawyer as a specialist or expert. Nevada Rules of Professional Conduct, Rule 196(4)

Neither the State Bar of Nevada nor any agency of the State Bar has certified any lawyer identified here as a specialist or as an expert. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability. Nevada Rules of Professional Conduct, Rule 198(3)(b)

See Nevada Rules of Professional Conduct, Rules 195, 196, 196.5, 198

· New Hampshire

See New Hampshire Rules of Professional Conduct, Rules 7.1, 7.2,

· New Jersey

See New Jersey Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· New Mexico

Certification of a lawyer in a particular area of law by an organization other than the New Mexico Board of Legal Specialization does not constitute recognition by the New Mexico Board of Legal Specialization unless the lawyer is also recognized by the Board as a specialist in that area of law. New Mexico Rules of Professional Conduct, Rule 16-704(D)

See New Mexico Rules of Professional Conduct, Rules 16-701, 16-702, 16-704

· New York

See New York Code of Professional Responsibility, DRs 2-101, 2-105

· North Carolina

See North Carolina Rules of Professional Conduct, Rules 7.1, 7.2,

· North Dakota

See North Dakota Rules of Professional Conduct, Rule 7.1

· Ohio

See Ohio Code of Professional Responsibility, DRs 2-101, 2-105

· Oklahoma

See Oklahoma Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Oregon

See Oregon Code of Professional Responsibility, DR 2-101,

· Pennsylvania

See Pennsylvania Disciplinary Rules of Professional Conduct, Rules 7.1, 7.2, 7.4, 7.6

· Rhode Island

The Rhode Island Supreme Court licenses all lawyers in the general practice of law. The court does not license or certify any lawyer as an expert or specialist in any field of practice. Rhode Island Rules of Professional Conduct, Rule 7.4

See Rhode Island Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· South Carolina

See South Carolina Rules of Conduct, Rules 7.1, 7.2, 7.4

· South Dakota

See South Dakota Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Tennessee

See Tennessee Code of Professional Responsibility, DRs 2-101, 2-105

· Texas

See Texas Disciplinary Rules of Professional Conduct, Rule 7.01

· Utah

See Utah Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Vermont

See Vermont Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Virginia

See Virginia Code of Professional Responsibility, DRs 2-101, 2-104

· Washington

The Supreme Court of Washington does not recognize the certification of specialties in the practice of law. Any certificate, award or recognition by a group, organization or association used by a Washington attorney to describe his or her qualifications as a lawyer or in any subspecialty of law is not a requirement to practice law in the state of Washington. Washington Rules of Professional Conduct, Rule 7.4

See Washington Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· West Virginia

See West Virginia Rules of Professional Conduct, Rules 7.1, 7.2, 7.4

· Wisconsin

See Wisconsin Rules of Professional Conduct for Attorneys, Rules SCR 20:7.1, 20:7.2, 20:7.4

· Wyoming

The Wyoming State Bar does not certify any lawyer as a specialist or expert. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability, and not rely upon advertisements or self-proclaimed expertise. Wyoming Rules of Professional Conduct for Attorneys at Law, Rule 7.2(g)

See Wyoming Rules of Professional Conduct for Attorneys at Law, Rule 7.2

III. Other Disclaimers and Legal Information

The Lifeinsurancebrokers.com Ltd Corporation does not perform investment banking or other services, for or solicit investment banking from any entities mentioned on the web site. The Lifeinsurancebrokers.com Ltd Corporation, its affiliates, directors, officers, employees, members, affiliated advisers and employee benefit programs may have a long or short position in any securities of an issuer or in related investments.

The Lifeinsurancebrokers.com Ltd employs individual practice members of the Certified Financial Planning Association.

Our web site is for informational purposes only. Information on the web site was obtained from various sources; we do not guarantee its accuracy or completeness.

Neither any information nor any opinion expressed on the web site, constitutes an offer, or an invitation to make an offer or solicitation, to buy or sell any securities or any options, futures or other derivatives. Our research reports are prepared for general circulation and are circulated for general information only. It does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this report. Investors should seek financial advice regarding the appropriateness of investing in any securities or investment strategies discussed or recommended in this report and should understand that statements regarding future prospects may not be realized. Investors should note that income from such securities, if any, may fluctuate and that each security's price or value may rise or fall. Accordingly, investors may receive back less than originally invested. Past performance is no necessarily a guide to future performance.

ALL INFORMATION AND CONTENT ON Lifeinsurancebrokers.com Ltd SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, FURNISHED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

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