Testimonials on the PAIP Seminar

October 28, 1997

To Whom It May Concern:

Mr. Paulo D. Lemos of Financial Supermarkets Inc has performed numerous continuing education courses in the insurance field for our employees over the past 3 years.  He has demonstrated excellent skills in his field and we highly recommend his services.

Thank you.

Donald L. Felter
General Manager
Emar Group Inc.


November 12, 1998

Re:  Paulo Lemos
       PAIP Seminar on November 12, 1998

Dear Mr. Foster:

We are writing to express our thanks to Mr. Lemos for his immediate response to our request to have Scott Taylor certified with PAIP before the date they required said certification.

He was most cooperative in scheduling the seminar to accommodate Mr. Taylor and the seminar was conducted in a very professional manner.

Thank you for recommending Mr. Lemos to our office and we will definitely use him again.

Yours truly, 
Marilyn Panariello
Office Manager
Taylor & Taylor Associates, Inc.
Taylor & Taylor, Ltd.


December 15, 1998

Re:  Paulo Lemos
       PAIP Seminar on December 15, 1998

Dear Hal:

We are quite pleased with Paulo Lemos's performance at the PAIP seminar held on December 15, 1998 at E.G. Bowman, Inc. Our class was very complimentary of his presentation with comments ranging from "Excellent" to "Knowledgeable" and "Especially liked examples given to explain vague items in the outline".  We only wish we could find more instructors like him!

Thank you for recommending Paulo and we plan to use him again if he is available.

Sincerely,
Jacqueline G. Foster-Cooper
Vice President
E.G. Bowman Company. Inc.


October 27, 1999

Re:  Paulo Lemos
       PAIP / CAIP Seminar on October 27, 1999

Dear Mr. Foster:

I would like to take this opportunity to Thank you for your referral for Mr. Lemos. He was very accommodating for scheduling a seminar with our office at such short notice. Our producers enjoyed his seminar, and found the information very informative.

Thank you again for recommending Paulo and we plan to use his services again in the future.

Sincerely,
Joy DeSiena
Weichert Insurance Agency


October 28, 1999

Re:  Paulo Lemos
       PAIP / CAIP Seminar on October 28, 1999

Dear Mr. Foster:

We thought we would take a few minutes to comment on Paulo Lemos at today's seminar held here at Owen's group.

Paulo was very knowledgeable about the material presented and added some humor to what might have been otherwise a very dry topic. We enjoyed his teaching style and we would recommend him to others in the industry.

Sincerely,
Janine Smith
Owens Group


October 04, 2000 

To Whom It May Concern:

This letter serves as recommendation for Paulo Lemos.

Mr. Lemos Proved to me both helpful and professional. He made himself available at extremely short notice in order to provide an essential PAIP/CAIP course to one of my employees.

Mr. Lemos traveled to our office at the agreed time and arrived prepared with all necessary paperwork. His demeanor was both professional and welcoming.  During instruction he proved to have a capable command of PAIP/CAIP requirements and procedures and was extremely thorough in his overview.

I would not hesitate to employ Mr. Lemos' instruction again or recommend him for similar positions.

Sincerely,
Debra A. Coller-Weiner
Vice President
Weiner-Ludwig, Inc.


November 3, 2000

Re:  Paulo Lemos
       P.A.I.P. Seminar on November 3, 2000

Dear Mr. Foster:

We were very pleased with the class given by Paulo Lemos. We found it to be very professional and able to hold our interest. If made available we would like to utilize his services in the future for other courses that are offered.

Very truly yours,
John A. Serapiglia
Executive Vice President
Arthur J. Gallagher & Co. of New Jersey, Inc
Risk Managers and Insurance Brokers


January 10, 2003

Dear Mr. Foster:

We would like to advise that the class given by Paulo D. Lemos was outstanding. He was very knowledgeable of all areas of discussion. We would recommend his services.

We look forward to his classes in the future. Thank you.

Yours truly,
John Flannery
The CCI Group


November 20, 2000

Dear Brandon:

The final continuing education session was held last week, and at this time, I'd like to Congratulate you on a fine job of putting together the insurance CE for the Bank and Agency.

The CSRs and managers enjoyed Bob Lemos's sessions and felt they learned valuable information in the courses. His instruction was clear, understandable and relevant. The feedback I received was all positive.

Very truly yours,
Susan R. Miller
Vice President
Emigrant Agency, Inc.