3.B.9

INCREASE IN EMPLOYEE DISHONESTY COVERAGE

Dear [Name]:

Congratulations for having increased your sales, inventories and receivables over the years. But with the growth in these operating and balance sheet items, have you considered the increased vulnerability to large losses caused by employee dishonesty, among other things?

It's probably time to see whether the amount that is "stealable" by employees exceeds your present dishonesty insurance protection, and we'd like to help.

I'll call in a few days to set up an appointment convenient for you. Trust me when I say that our meeting can indeed save your growing, prospering business!

Thanks for your time.

Sincerely,