Clewes & Associates Life Insurance Consultancy Inc.

Suite 803, 251 Queen Street South

Streetsville, Ontario - L5M 1L7

CANADA

telephone: (416) 493 - 5586

facsimile: (416) 493 - 5061

world wide web: www.clewesconsult.com

e-mail: clewesb@sympatico.ca