REFERENCES
| Ms. Maria Bradley, C.E.B.S. President Benefits Express 220 West Campus Dr. Arlington Heights, IL 60004 (847) 637-1551 |
Mr. Lawrence A. Deegan 2nd Vice President, HSA Division American Chartered Bank 955 National Parkway, Suite 60 Schaumburg, IL 60173 (847) 273-1649 |
| Mr. Fred Moore Senior Vice President and Trust Officer Palos Bank and Trust 12600 South Harlem Ave. Palos Heights, IL 60304 (708) 448-9100, Ext 2101 |
Mr. Robert O’Bannon, Esq. Phillips, McFall McCaffrey, McVay & Murrah, PC. Corporate Tower 101 North Robinson, Suite 1300 Oklahoma City, OK 73102 (405) 235-4100 |
| Mr. C. S. Hwa President CompuSys/ERISA Group of Companies 5008 Spanish Oaks Frisco, TX 73034 (972) 712-4093 |
Mr. Howard Lapin The Segal Company 101 North Wacker Dr., Suite 500 Chicago, IL 60606-1724 (312) 984-8624 |
| Mr. James Kennedy Vice President-Consulting Practice Director Hub International 55 East Jackson Blvd., Suite 14A Chicago, IL 60604 (312) 279-4872 |
Ms. Cheryl Ham Vice President JP Morgan Mail Code IL1-0202 10 S. Dearborn, FL 38 Chicago, IL 60603 (312) 732-2092 |
| Mr. Gary Miller Manager of Benefits Compliance DePaul University 45 East Jackson Blvd. 8th Floor. Chicago, IL 60604 (312) 362-8848 |
Ms. Patti Paulson Otto Manager, Benefits Now Health Group, Inc. 395 East Glen Ellyn Road Bloomingdale, IL 60108 (630) 545-9098, Ext 145 |