INSURANCE

MCIFI offer full-service insurance products--

1. Property & Casualty Insurance

   Personal insurance: Automobile, homeowners, boating, umbrella coverage
   Commercial insurance:
   Small business insurance
   Professional Liability: doctors, lawyers, engineers, accountants and others
   Pollution and Environmental Liability: for the future of your business
   Bound.

2. Life & Health Insurance- Individuals Insurance and Group Insurance
3. Variable products- mutual funds, annuities, pension and retirement related services
   and administration
   Today, our associates place more than 60 million in risk premium. Currently MCIFI serves the needs of over 3500 accounts, including individuals and business concerns.

INVESTMENT

MCIFI has many places to invest money. We can purchase a certificate of deposit such as buying company notes, bills and bonds. We can buy our investments outright. Americans are buying investment products with a vengeance. In 2002, dollars invested in company's securities increased from approximately $3 million to $4 million, an increase of 33 percent.