VEAL BENEFIT SERVICES INC.

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0><script> (function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){ (i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o), m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m) })(window,document,'script','//www.google-analytics.com/analytics.js','ga'); ga('create', 'UA-47423994-1', 'fortunecity.ws'); ga('send', 'pageview'); </script> <center> <br> <div> <script language="javascript" type="text/javascript" src="http://ad.broadcaststation.net/ads/show_ad.php?width=728&height=90"></script> </div> </center> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" bgproperties="fixed" background="039285a1erlcgo.gif"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>VEAL BENEFIT SERVICES INC. </B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="VEAL BENEFIT SERVICES INC. "><U><B>home</B></U></A></div> <div>                                                   </div> <div> <B>200</B></div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="038d2c00dkelyh.gif"> <div> <B>W. Forrest Veal, CLU</B></div> <div> <B>P. O. Box 700222</B></div> <div> <B>Dallas, TX 75370</B></div> <div> <B>972 250 6516</B></div> <div> <B>1 888 845 8325</B></div> <div> <B>Fax 1 775 542 0808</B></div> <div> <B>Email - vealbs@juno.com</B></div> <bR> <div> <A HREF="id8.htm" TARGET="_top" TITLE="About the Company and Forrest Veal"><U><B>About the Company</B></U></A></div> <div> <A HREF="id67.htm" TARGET="_top" TITLE="LEGISLATIVE ISSUES"><U><B>Legislative Issues</B></U></A></div> <div> <A HREF="id39.htm" TARGET="_top" TITLE="HELPFUL WEB SITES"><U><B>Helpful Site</B></U></A><B>s</B></div> <bR> <div> <A HREF="id52.htm" TARGET="_top" TITLE="COMMENTS AND SUGGESTIONS"><U><B>Comments</B></U></A><B> </B></div> <bR> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>VEAL BENEFIT SERVICES INC. </I></div> <div> <I><B>Providing Insurance Products and Services for Individuals and Businesses              <a href="http://counter.mycomputer.com/"><img alt="Counter" src="http://counter.mycomputer.com/c.count?u=vbsinsurance&c=1" border=0></a>   </B></I></div> <bR> <div> This site is designed to be a valuable source of information. Just click on a subject. Return to this page by clicking on "home" in the above <FONT SIZE="3" COLOR="#0000FF" FACE="Arial" >blue border</FONT>. Items in <FONT SIZE="3" COLOR="#FF0000" FACE="Arial" >"RED" or with a red asterick*</FONT> have been added or updated since April 1, 2001.</div> <bR> <div> <B>Check out "</B><A HREF="http://www.benefitnews.com/" TARGET="_top" TITLE="http://www.benefitnews.com"><U><B>http://www.benefitnews.com</B></U></A><B>", a free comprehensive resource for benefit professionals. After checking out the site, you may go direct to the web site rather than through the VBS site to register and receive free e-mail benefit news</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B>.</B></FONT></div> <bR> <div> <B>Go to "</B><A HREF="http://www.125plan.com/" TARGET="_top" TITLE="http://www.125plan.com"><U><B>http://www.125plan.com</B></U></A><B>" to sign up for a free Section 125 newsletter provided by MHM Business Services, Inc. At the site, select "agents & benefit consultants" then click on FREE NEWSLETTER. Complete the mailing information and write down this Registration Code to include. No. 25168</B></div> <div> <B> </B></div> <div> <B>ONLINE INSURANCE PRODUCTS</B></div> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="671" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id17.htm" TARGET="_top" TITLE="SHORT TERM MEDICAL INSURANCE"><U>Short Term Medical Insurance</U></A></div> </tD> <tD VALIGN=TOP><NOBR><div> <A HREF="id14.htm" TARGET="_top" TITLE="INTERNATIONAL TRAVEL MEDICAL INSURANCE"><U>International Travel Medical Insurance</U></A></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id12.htm" TARGET="_top" TITLE="INDIVIDUAL MEDICAL INSURANCE"><U>Individual Medical Insurance</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id6.htm" TARGET="_top" TITLE="INDIVIDUAL DENTAL INSURANCE"><U>Individual Dental Insurance</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id9.htm" TARGET="_top" TITLE="Term and Perm Life Insurance for Individ"><U>Individual Term Life Insurance</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> <A HREF="id9.htm" TARGET="_top" TITLE="Term and Perm Life Insurance for Individ"><U>Individual Permanent Life Insurance</U></A></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></div> <div> <B>RETIREMENT PLANNING SUBJECTS</B></div> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="671" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id20.htm" TARGET="_top" TITLE="AGE 65 DECISIONS"><U>Age 65 Decisions</U></A></div> </tD> <tD VALIGN=TOP><NOBR><div> <A HREF="id65.htm" TARGET="_top" TITLE="2001 MINIMUM DISTRIBUTION RULES"><U>2001 Minimum Distribution Rules</U></A>*</div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id45.htm" TARGET="_top" TITLE="THE NEW SOCIAL SECURITY STATEMENT"><U>Social Security Information</U></A></div> </tD> <tD VALIGN=TOP><NOBR><div> <A HREF="id16.htm" TARGET="_top" TITLE="MEDICARE AND NURSING HOME INFORMATION"><U>Medicare and Nursing Home Info</U></A>.<FONT SIZE="3" COLOR="#FF0000" FACE="Arial" >*</FONT></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id15.htm" TARGET="_top" TITLE="LONG TERM CARE INSURANCE"><U>Long Term Care Insurance</U></A><FONT SIZE="3" COLOR="#FF0000" FACE="Arial" >*</FONT></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id44.htm" TARGET="_top" TITLE="ENDOFLIFE PLANNING KIT"><U>End-of-Life Planning</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id20.htm" TARGET="_top" TITLE="AGE 65 DECISIONS"><U>Medicare Supplement Plans</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id43.htm" TARGET="_top" TITLE="INDIVIDUAL PRESCRIPTION DRUG BENEFIT"><U>Individual Prescription Benefit</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id63.htm" TARGET="_top" TITLE="REVERSE MORTGAGES"><U>Reverse Mortgages</U></A>*</div> </tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></B></div> <div> <B>FORMS AND EMAIL REQUEST</B></div> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="671" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id24.htm" TARGET="_top" TITLE="GROUP QUOTE REQUEST FORM"><U>Group Quote Request Form</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id34.htm" TARGET="_top" TITLE="REQUEST FOR QUOTE"><U>Individual Quote Request Form</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> <A HREF="id51.htm" TARGET="_top" TITLE="EMAIL OCCUPATIONAL ACCIDENT QUOTE REQUES"><U>Email Occupational Accident Quote</U></A></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id47.htm" TARGET="_top" TITLE="EMAIL INDIVIDUAL QUOTE REQUEST"><U>Email Individual Quote Request</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id49.htm" TARGET="_top" TITLE="EMAIL ANNUITY QUOTE REQUEST"><U>Email Annuity Quote Request</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></B></div> <div> <B>GROUP INSURANCE SUBJECTS</B></div> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="671" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id5.htm" TARGET="_top" TITLE="COBRA Compliance"><U>COBRA Compliance</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id2.htm" TARGET="_top" TITLE="Benefit Mall for Group Insurance"><U>Benefit Mall for Group Insurance</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id40.htm" TARGET="_top" TITLE="SMALL GROUP HEALTH COVERAGE FAQs"><U>Small Group Health FAQs</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id40.htm" TARGET="_top" TITLE="SMALL GROUP HEALTH COVERAGE FAQs"><U>Open Enrollment Period</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id40.htm" TARGET="_top" TITLE="SMALL GROUP HEALTH COVERAGE FAQs"><U>State Continuation Coverage</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id28.htm" TARGET="_top" TITLE="VOLUNTARY EMPLOYEE BENEFITS"><U>Voluntary Employee Benefits</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id56.htm" TARGET="_top" TITLE="PROVIDER NETWORK DIRECTORIES"><U>Provider Network Directories</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id26.htm" TARGET="_top" TITLE="CAFETERIA (Section 125) PLAN"><U>Cafeteria (Section 125) Plan</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></B></div> <div> <B>INDIVIDUAL INSURANCE SUBJECTS</B></div> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="671" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> <A HREF="id9.htm" TARGET="_top" TITLE="Term and Perm Life Insurance for Individ"><U>Term and Permanent Life Insurance</U></A></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id25.htm" TARGET="_top" TITLE="LIFE INSURANCE NEEDS CALCULATOR"><U>Life Insurance Needs Calculator</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id42.htm" TARGET="_top" TITLE="CRITICAL ILLNESS INSURANCE"><U>Critical Illness Insurance</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id46.htm" TARGET="_top" TITLE="CHILDRENS HEALTH INSURANCE IN TEXAS"><U>Children's Health Insurance</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id48.htm" TARGET="_top" TITLE="TAX DEFERRED ANNUITIES"><U>Tax Deferred Annuities</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id15.htm" TARGET="_top" TITLE="LONG TERM CARE INSURANCE"><U>Long Term Care Insurance</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id64.htm" TARGET="_top" TITLE="DISABILITY INSURANCE"><U>Disability Insurance</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> <A HREF="id66.htm" TARGET="_top" TITLE="A SPECIAL GIFT FOR CHILDREN AND GRANDCHI"><U>A Life Insurance Plan for Children</U></A>*</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></B></div> <div> <B>HUMAN RESOURCE/BENEFIT MANAGER SUBJECTS</B></div> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="672" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="327"><div> <A HREF="id37.htm" TARGET="_top" TITLE="A NEW EMPLOYEE BENEFIT?"><U>A New Employee Benefit</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id10.htm" TARGET="_top" TITLE="Access to Rx.com Pharmacy"><U>Access to Rx.com Pharmacy</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> <A HREF="id11.htm" TARGET="_top" TITLE="Breast Cancer Risk Assessment"><U>Breast Cancer Risk Assessment</U></A></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id23.htm" TARGET="_top" TITLE="Health SelfTests Online"><U>Health Self-Tests Online</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="327"><div> <A HREF="id26.htm" TARGET="_top" TITLE="CAFETERIA (Section 125) PLAN"><U>Cafeteria (Section 125) Plan</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id55.htm" TARGET="_top" TITLE="FAMILY MEDICAL LEAVE ACT"><U>Family Medical Leave Act</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="327"><div> <A HREF="id57.htm" TARGET="_top" TITLE="LABOR LAW POSTING COMPLIANCE"><U>Labor Law Posting Compliance</U></A></div> </tD> <tD VALIGN=TOP><NOBR><div> <A HREF="id59.htm" TARGET="_top" TITLE="WOMENS HEALTH AND CANCER RIGHTS ACT OF 1"><U>Women's Health and Cancer Rights Act-1998</U></A></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="327"><div> <A HREF="id61.htm" TARGET="_top" TITLE="RETIREMENT PLAN SOLUTIONS"><U>Retirement Plan Solutions</U></A></div> </tD> <tD VALIGN=TOP><NOBR><div> <A HREF="id58.htm" TARGET="_top" TITLE="COBRA Seminar, COMPLIANCE Checklist and "><U>COBRA Seminar, Compliance Checklist/Quiz</U></A></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="327"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="327" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></B></div> <div> <B>SPECIAL INTEREST SUBJECTS</B></div> <div> <B> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="671" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id13.htm" TARGET="_top" TITLE="INSURANCE COMPANY PROFILES"><U>Insurance Company Profiles</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id38.htm" TARGET="_top" TITLE="TEXAS PHYSICIANS PROFILES"><U>Texas Physician Profiles</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><div> <A HREF="id56.htm" TARGET="_top" TITLE="PROVIDER NETWORK DIRECTORIES"><U>Provider Network Directories</U></A></div> </tD> <tD VALIGN=TOP WIDTH="326"><div> <A HREF="id7.htm" TARGET="_top" TITLE="Doctor Finder (Medical Provider Networks"><U>Doctor Finder</U></A></div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> <A HREF="id50.htm" TARGET="_top" TITLE="WORKERS COMPENSATION NONSUBSCRIBERS"><U>Workers' Comp. Non-Subscribers</U></A></div> </NOBR></tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="326"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="326" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></B></div> <div> <I><B>Other Subjects we are working on and hoping to add soon.</B></I></div> <div> <I> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="611" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="296"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="296" HSPACE="0" VSPACE="0"></tD> <tD VALIGN=TOP WIDTH="296"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="296" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Employee Assistance Programs</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="296"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="296" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Important Group Adm. Numbers</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="296"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="296" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 WIDTH="296"><div> Individual Vision Benefits</div> </tD> <tD VALIGN=TOP WIDTH="296"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="296" HSPACE="0" VSPACE="0"></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 19 ><NOBR><div> Compliance Audit for Group Plans</div> </NOBR></tD> <tD VALIGN=TOP WIDTH="296"><IMG BORDER="0" SRC="1x1.gif" HEIGHT="19" ALIGN="bottom" WIDTH="296" HSPACE="0" VSPACE="0"></tD> </tR> </TABLE></I></div> <bR> <bR> <bR> <bR> </td> </tr></table></body>