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October 14, 2003

Brennan & Stuart has long been known as a leader and innovator in the workers compensation and commercial insurance fields. Through the services provided by NIAS, our clients have benefited from a huge reduction in their open reserves, which were imposed upon them by their insurance carriers. The clients of Brennan & Stuart have experienced a reduction in open reserves of over $2,500,000.

We look forward to a long and enduring relationship with NIAS -National Insurance Advisory Services. Sincerely,

William D. Larson, CIC, LUTCF Workers Compensation Specialist

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May 29, 1998

Mr. Jay Conant
National Insurance Advisory Service, Inc. 5730 Corporate Way Suite 230 West Palm Beach, FL 33407

Dear Jay:

National Insurance Advisory Service has stepped in effectively as a specialized “department” of our firm handling all of the workers compensation claims auditing and experience modification verification work. This “department” is responsible for research, technical expertise, follow up, claims auditing (on and off premises), and detailed reporting of all results.

We find that the reports and results produced by NIAS evidence their developed expertise in this very specialized arena.

We appreciate your contribution to our success and remain immediately available to relay our satisfaction to others (out of our service area!).

Sincerely,

A. Lambert Jr. President