May 29, 1986

Dear Mr. Foster:

Please accept this letter as an endorsement for services rendered by Harold Foster's company regarding training of personnel for insurance licensing.

Mr. Foster has been responsible for training over 100 agents for Carteret Savings and having them licensed. The success ratio of those completing
the course is over 95%.

I do heartily recommend Mr. Foster to any institution who wishes to get licensed for insurance.

Very truly yours, 

Louis M. Serio, Vice President
Financial Services
Carteret Savings and Loan Association. F.A.

August 1, 1986

Dear Harold:

On behalf of the 17 employees who successfully took your insurance classes and passed the State examination, we say thanks for a job well done.

The professionalism of your staff in knowledge of insurance was only exceeded by their ability to transmit that knowledge to their students. 

You should be proud of the 95% passing the State examination and of the accomplishments of your fine school. Please do not hesitate to use my name 
or that of Fred. S. James & Company of New Jersey as a recommendation source.

Best Regards,

William C. Hahner, Jr.
Vice President
Fred. S. James & Company of New Jersey

December 22, 1986

Dear Harold:

I'd like to thank you for your efforts in preparing our Security Salesman for their Life Insurance Exam. As of this date we are successfully selling Single Premium 
Life Policies and appreciate your determination in getting us through the exam.


Bruce D. Baumgarten
First Senior Vice President
Gibraltar Securities Co.

October 23, 1992

Dear Harold:

Let me again thank you for taking the time to conduct our Property and Casualty licensing course earlier this year.

The fact that all of our associates in your class passed the exam attests to the fact that you did a great job.

As I recently mentioned to Nick Boyko, we would appreciate it if you could again conduct the course in the same format beginning in early 1993. I will have Nick work out the details with you.

Thanks again, Harold, very much for a job well done.


Brent B. Barth, CLU, ChFC, MSFS, MSM
General Manager
The Prudential Insurance Company of America

March 16, 1993

Dear Hal:

I want to formally thank you for helping me get through the Property and Casualty class and giving me the confidence to pass the State exam. I am sure that it was your teaching expertise that helped me so much.

I appreciate all you have done for me and please know that I will recommend your school in the future.


Patricia S. David
Greenberg, Rapp and Sestito
Insurance and Financial Consultants

August 05, 1996

Dear Hal:

I am taking this time to express my appreciation for you in writing. Thanks to your positive attitude, I have achieved my goal which was to get my insurance license.

I would never forget your great teaching methods, and I appreciate all the patience you had toward me.


Eva M. Ocasio
Malqui Insurance Agency Inc.

October 7, 1996

Dear Mr. Foster,

I would like to take this opportunity to thank you for your help in preparing me for the N.J. State license exam. I passed this exam on my first try and there is no doubt your excellent classes were responsible for my success.

Your knowledge of the course material combined with your extensive experience as a producer not only prepared me for the exam but will be extremely helpful in my career.

Again, I want to thank you and wish you all the best.

Very truly yours;

Peter Soriero
Risk Manager
Jersey City Office of Risk Management

July 12, 1998

Dear Mr. Foster,

As you know I passed the Property and Casualty Licensing Examination yesterday and am now a full fledged New Jersey Insurance Broker. The fact that I was able to pass this on my first attempt is in no small part due to your efforts.

You were unfailingly patient and courteous during the course of my instruction. As a result, you were able to impart a portion of your vast knowledge of the subject to me for which I am most grateful.

Thank you again.


Marjorie H. Tenner

March 20, 2000

Dear Harold,

Just a letter of "thanks" for all your assistance. Your Life Insurance pre-certification course was just what I needed. The process was simple, organized and successful.

Best Regards,

Susan Torrisi
Vice President
Liberty Funds Group

April 4, 2000

Dear Mr. Foster,

We would like to take this opportunity to express our sincere appreciation for offering us your property/casualty course.

Your class was very informative and especially helpful to us when we took the exam. Your class along with your confidence in us was just what we needed to pass.

Again, many thanks.


Shevon Bennett and Cindy Porporino

April 11, 2003

Dear Harold,

Please accept this letter as evidence that SBLI USA is extremely pleased with the results we have been receiving from your licensing services. Since we have been using your school, the passing rate for our Associates has been phenomenal. Compared to other schools we have used in the past, our results far exceed those obtained elsewhere.

We will continue to use your service in the future for our licensing needs. I would highly recommend you and your staff to anyone who is in need of licensing services.

Thank you for everything.


Chris Ayala,
Training Specialist