February 25, 1998

To Whom it may Concern,

I've been working with Mr. John Fairles of Fairles Benefit Services for the past eight years.  I find that he explains the difference between policies and companies, etc. much clearer than other agents that I have worked with before.

Our company started our group insurance plan with John and have switched from one insurance company to another after follow up reviews of our needs and differences that the companies had to offer.  John's explanations and advice have been very important to us in making such decisions.

In summary, we've been very fortunate to have Mr. Fairles helping us with these very important plans.  I've been very impressed with the attention that John has been providing us considering the fact that our account is not very large.  I would recommend his services to anyone interested in group insurance plans and group R.R.S.P. plans.

Yours truly,

R.G. Reed, D.V.M.