Investor's Heritage Life Insurance Company
L W Ballard, Regional Vice President
275 L Harbison Blvd, PMB 66
Columbia, SC 29212

August 2nd, 1999

John Cusatis,

I want to take this opportunity to thank you for your performance at our convention at Kiawah Island in July. It was just what we wanted for the cookout. Your participation with the children in the audience and also with the grown-ups that sang was great. You are a very talented man, and I wish you well in the future.

If ever I can be of any assistance, or if the need arises, I will call on you again.

Thanks again,

Larry Ballard LUTCF
Regional Vice President
Southeast Region

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e-mail: John Cusatis