                               *  MEMORANDUM  *

TO:      ______________________________ FROM:      _____________________________
SUBJECT: ______________________________ POLICY NO: _____________________________
DATE:    ______________________________ AGENT NO:  _____________________________

MESSAGE: _______________________________________________________________________
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REPLY: _________________________________________________________________________
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 _ FOR YOUR APPROVAL       _ YOUR COMMENTS PLEASE
 _ FOR YOUR INFORMATION    _ PLEASE FILE
 _ PER YOUR REQUEST        _ PLEASE APPROVE & FORWARD TO _______________________
 _ PLEASE HANDLE             _ MARKETING  _ ACCOUNTING  _ UNDERWRITING  _ SUPPLY
 _ PLEASE RETURN TO ME     _ OTHER _____________________________________________