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| The ongoing value of the Cohen Brown Sales-and-Service Process is perhaps best expressed through the testimonial letters sent by many of our clients. A few selected comments are included below: |

| "We are running at about quadruple the results that we had prior to implementing Cohen Brown." |
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- Bruce Duncan, First Vice President, Comerica Bank |

| "We've tripled our sales results since we launched the Cohen Brown process." |
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- Jill Hall, Senior Vice President, BOk Financial |

| "Our average branch sales increased by 45 percent. Our referrals more than doubled and at the same time our service standards have been maintained." |
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- Kenn McCall, General Manager, Suncorp - Retail Banking |

| "The Cohen Brown programs have made a significant impact on both our rate of growth and retention of profitable customers. Our growth has been at twice the market for the last ten years." |
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- Fred Pollock, National Manager Sales and Service, ASB Bank |

| "We saw a 60% improvement in our home equity results. We really attribute that to the principles from Cohen Brown." |
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- Susan Stover, Director of Sales, Aberdeen Proving Ground Federal Credit Union |

| "We have increased the accounts that we open in a week by 25%." |
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- Carlos Mantaras, Executive Vice President, R-G Premier Bank, Puerto Rico |

| "Our Personal insurance Call Center is now actually our number two source of new business leads for our Business Insurance Center, and we're seeing hundreds of referrals per month." |
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- David Fryar, Manager Bus/Cust Sales and Service, Suncorp General Insurance |

| "Prior to implementing the Call Center Labs, our results were around the 5 percent conversion rate. At this point we're up around 10 and oftentimes 15 percent conversion rates." |
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- Jody Beasley, Manager, Sovereign Direct |

| "We've increased our closed referrals two-thirds over the last two quarters." |
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- Lynn Myers, Call Center Director, First Merit |

| "We have experienced double-digit increases in deposits." |
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- Denise Segarra, Senior Vice President, FirstBank, Puerto Rico |

| "Our team ended 2005 by exceeding its fee revenue sales goals by 166%. We also made the single largest sale in recent memory: over $40,000,000 in assets under management!" |
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- John O. Allen, Jr., Senior Vice President, Director of Wealth Management, First Charter Bank |

See Client Case Studies
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