LETTERS OF RECOMMENDATION

Legg Mason Wood Walker, Incorporated
Dominion Tower, 999 Waterside Drive, Suite 1600, Norfolk, VA 23510-3306
757-622-0300 Fax: 757- 6210-2361

Member New York Stock Exchange. Inc. / Member SIPC

October 31,2002

John Riina

Professional Alliance Group

Dear Mr. Riina:

I hope that this letter finds you doing well. I am writing to you in regards to Frank Friedland CLU ChFC. I have been working with Frank for 15 years and believe in how he does business and what he has to offer to clients.

Frank Friedland shows people how to save money on their life insurance policies. He designs the policies without the typically high levels of cash value accumulation which lowers the policy cost 10 the client and allows them to invest the difference. Clients are excited about Frank's philosophy because it allows them to maintain or even increase their coverage while at the same time increase their investment portfolio and contributions without adding cost to them.

Frank is a good businessman and a better man. 1 am proud to know him and happy to say that he has saved my clients lots of money.



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