Carolyn and I just wanted to send a quick note to say thank you for your business and Happy New Year. 2009 can easily be summed up as an interesting and challenging year for many. The great thing about challenges is that they often bring about opportunity.

While many carriers have cut back on capacity for new business, we have managed to find the right products for our partners and their clients. While the SEC has tried to take away an important product from us and the public, we have managed to ban together to work on stopping their efforts and have so far been successful in getting more time to fight. The economic challenges have clearly shown how beneficial the products we offer are to everyone we have the pleasure of assisting. We are providing solutions to protect our clients, their families, and their retirement.

So, no matter what challenges you've faced during 2009, whether they were negative or positive, you should be proud to be in this great business during a time when people need our services more than ever.

We also want to make it clear that we understand how important relationships are in life and in business. Carolyn and I want you to know that we value the opportunity you have given us in growing our relationship with you. We, and the entire InsurMark family, are here to support you in any way we can. Feel free to contact us at any time and be sure to access the many resources we have lined up for you to grow personally and in your business.

There are many great opportunities that wait for us in 2010. You have our promise, one that we've been delivering on since 1983, that we will be here to support you and deliver the products, services, and resources you need to grow and be successful.

On behalf of all of us at InsurMark, we thank you for your business. We have great expectations for what 2010 will bring and what we can accomplish together.

Sincerely,