October 19, 1998

Chris Roy, President
Insurance Reduction Analysts, Inc.
701 E. Plano Parkway, #115
Plano, Texas 75074-6774

Dear Chris:

I can not tell you how pleased I am to have met you and engaged the services of your firm. You were able to reduce our general liability insurance costs by 61% and our umbrella liability costs by 67%. Our previous coverage was a collection of separate policies that covered our different areas of business. As we learned together, these policies did not properly cover our operation. The new policies we have now provide for significant savings, and we have the security of knowing that our coverage now fits our business.

Chris, it is not just the fact that you were able to provide these results that is so impressive. This was a very painless undertaking for System Builders Corporation in general, and me specifically. I rarely work with anyone who so completely respects the value of my time. You were able to quickly grasp what our problems were (some of which we were not aware of). You shared with me just enough about who you are so that I would feel comfortable giving you the charge to address the issues identified. You then came back with the solution that provided the results described above.

Please feel free to use us as a reference in your future business opportunities.

Thank You,

Dennis Lombreglia, CEO