EDITOR Dates to Remember Feb. 27 (Wednesday), 2002 PAGE Milestones $100,000 In Force All Fasiness apd PR crodite rns be ceceived in Whee to count for February postin. Company Retention Rate Beginning Jan. 1, 2002, ro he eligible for bonuses and featured cmpanys Retention in Spotlight, top producers must meet the rate, of the mininauin Net to Gross ratio® 77 percent 64 percont ® Net ro Gross is only used during the Agent’ frst eight monchs Partners Update The following Agents have $100,000 of in force premium. Nickolay Guseyy Rayenond Lay, Carla Milles, Ec Neal, Peer Nickolow, Roland Parker Soot” Remmey, Marlon Undenwocd, and David Wang, $200,000 In Force ‘The following Agents have $200,000 of in force premium. “Tin Crise Congratulations Roger! Mark McAndrew recently announced Roger Smith as the new Effective Jan. 1, 2002, the Basic Partners Plan is being offered | President and Chief Marketing Officer of American Income tno cost for one year. There wil ke a minor change tothe ‘rescrption discount program — a $1.00 dispensing fe will be however, ll other benefits remain the same, including te dscowont percentage which cverages hetween 24 and 28 percent. The card issue system will also concinue to work the same. The member will still need to complete and mil in changed on all preseiprins the registration form. The Home Ofice then issues a personalized card whiel is valid for at leas: one year ‘The Gold Program remains exactly the s fare: year and $49.95 for renewals ‘The Best of the Best You have worked hard all year long, now sit back and watch out van Income’s 2001 award winners will he recognized in the February issue of Spotlight Your name could be among the best ofthe best — don't miss it! for AILS Convention Extravaganza. Am at $24.95 for he Life. Roger has been instrumental in orchestrating an effective turnaround at AIL. AIL’ field force has prown by more thar 50 percent and Life sales have grown 35 percent over the past ¢%0 year. Congratulations Roger on your tremendous accomplishments and your well-deserved promotion! From the Field National Income Life SGA, Duhon Oldham i pictured with New York Governor George Pazaki atthe New York AFL-CIO fapdeaisr in honor of those union workers afected by the World Teale Center iragedy. For mone information on how you can help with the relist afior, legonto the AFL-CIO Web ste at uneweafeio.ong- Ako the AILINILCONYCLC disaster relief fra is stil accepting contributions, contact your SGA for more informs Founder's Club Outstanding Producers Fourth Quarter Published monthly by ‘American Income co | Life Insarance Ei a Ge CC Company for the Dovid Balad att ot 2 902.607 | 79 | 7726 dissemination of Notoay Gusev | Lary Gereser 1 5094 | 85 | 8662 {information 1 its Tendore Pappas | Richard Rutt 1 sada | ot | soa Agents, Permission Derek Sandianes | Rice Alia 1 sacer | ap | sage st be obeained Mavlon Underwood | Scctt Smith 1 e795 | 76 | 7629 orto reproduction ‘aurie Onaset Leo VanDarBussche ‘Joseph Manone Fick Altg yan Wiley Narjorie Wade Founder’s Club Outstanding PR. Representatives Fourth Quarter “Parentage o ato Goss cor ther wse of ‘Vie Parser aa Staal pemdl@icom ar Number of peice (EEL CA pone 3 10.396 Gards Micetigonhasetcop oe, 1 51 Groups Gaye anmier 1 63 Groups Leet tiecaskeom.com (©1002 by Amovicen Isom Life Issronce Carpany 2 sron a ITJANUARY 2002 8 WWW.AILIFECOM PERSPECTIVE Ride it only takes a vision of what to do, implementing systems to do it and maintaining our accounuabiliey co hold us on track. Let’s Ifyou could see me now, you would see an Alfred B. Newman The Cat Thar Ate the Canary grin on my face, Amerfean Income ended 2001 with an outstanding $65,186,000 of Net ALP. Who woul have thouebr we could take our $60 million goal that far? Worried — Me? Never — nor even for a minute! Recently, | watched the old western “The Magnificent Seven.” In this 1960 movie starring Yul Brynner, Steve McQueen and Charles Bronson, seven American gunmen hire themselves out to protect a Mexican village from bandits, As the movie unfolds, chese seven gunslingers set out t help che villlge farmers defend themselves against bandits who routine'y loot their community. The prespect of these seven men overcoming the odds of 40 to seven was grim. However, knowing the cohsacles, they embarked om the journey anyway. As they mounted their horses and headed out wo fighe the bandits, Yul Brynner curns in his saddle and says, “Let's ride!” Ivis xt this ‘moment in the movie that it hits me— I know that feeling! Not only do Tknow that feeling, but you do too. Te is the feeling I get when I ride my Haley and open the throttle, or ‘when you ate in sports car and floor the acceleratot: I is the same feeling you get when you close a sale and the check or sign a TG-13 contract Irs the feeling that a producer with Ansrizan Income knows al too wel ‘At American [ncome, we saw vision of what could be done. ‘We implemented the systems «© do it, held eurselres le and showed the rest of the world that ATL[NILICO {s the shining star of Torchmark. Let’ just consider some of things we accomplished in 2001 w Realiz 425 percent increase in Net ALP over last years ¥y Finished the year with nine record breaking months; 1» Increased our Agent force by over 400 Agents: + Increased the Company Persistoney +0 74 percent and Net tm Gioss to 77 percent Tntrochced a new recruiting CD-ROM; ¥ Iemplemented accountability for minimum standaeds; FROW THE DESK OF: Lo aeneantn bonus to include GAs; Marketing Officer of , | will tell you where we are going. We ate going places. We are headed for the open road, and we are prepared 10 ‘open the throttle, If you thoughe 2001 was a production adventure held onto Now that we have tonted our vbion of what is before them, glory ard danger alike, | your sacle because 2002 is still shes, | accomplishments lets and yetnotwithstanding, go out to meet it Last year we were just getting warmed up; consider how we achieved Thucydides this year we are reody to pull out all the these tremendous milestones. ops. We are planning big things for lL {in 2002, and the $75 million goal is only pact of ic, Lees take a + Commenced operations ‘Ametican Income Life in New Yore with NILICO, “The bravest are surely thove who have the clearest The real heroes this year are those of you who worked tirelessly to push the envelope and break the records. Without your individual efforts, our $65 million year would have never seen the light of day. Each of you pulled together in a collaborative effort to: make ou goal a reality — Congratulations! look at what else is on the agende: y Annow monthly cetention bonus: y Anew certinal illness rider, L wish I could describe my feelings os [look hack and examine YA new high-end term policy: all that has happened in the past year. Asa nation, we have faced the unthinkable and held strong in the wake of tragedy. Asa company, we have moved forward to see the fruits of our labor, and, as individuals, we have braved 2 new world and are now prepared to head into the future, y New ADS&D marketing products; New career Agent contracts + New vesting provisions, ‘There you have it: the end of one monumental year and the As | ook eo the future, my feelings of eenainty are at an ‘adventure of another one just ahead. How "bout it? Are you all-time high. Lam certain, given any goal, American Income is ready? up tothe challenge. [am also certain that, as we embark om our goal to $75 million in 2002, your commitment, dedication, and spirit will cary us there and beyond. Again, Let's ride — $75 million in 2002! SPOTLIGHTJANUARY 2002 @ -WWWAILIFECOMPROMOTIONS Promoted To Supi ans Gags Michael Aces Therone Alexander Steven Austin Michael Barrett Thee Conard fora Mare Zipar Fick Al Wroia Torae Flite Tensasse Richard Brown Phillip Cavell Dale Cavestany Passton Dailey Ere Gigone Seat Sth dei Fob it ener Minis Calta Myra Dize MavioBipinoa Yoshinori Goya Peter Hann Wiliam Jenin Wil eeings Fie Ciione Calera tai ta Nw Srey Jay Hurwit: David larusst Jean Kamdem Brian Karger Tom wiles fre “yore conare cy Fs ‘rat Distt Cokbia Watton Pati Lee Paul Neatnes Mark Mathews Theolore Maurice St Sih fore Hanac lor ick Ag wiciyon Tera ohio Tenwesste Rowna Nicohs Sanders Ofer Pal Petes ‘Thomas Phillips Ware Ze fober Caey Mare Zonet Ware Zper Fass teen Fria Panis David Smith Christopher Stephens Lee Salley Cay Thompson ick Aig dai Fo Mare Moto Three conn Tennesse Cait ono Nanjand Michel Veejsen Antonio Welker Bran Zophin Ee Golne tt iaone ore Pomey Pemeana Teun Promoted To General Agent Daren Austin john Baldo Machelle Berry Charote Braddon Sct sin ite sinione Jabot Fo Apnea ie Now deny taltomie Ont. Sidney Hodgikiss Stephen Kapsals Bran Lamm Shon Lange Flot tg Seat smth Merk notch St Sit fst Coumoa nas intae inne Rebecca Recheck Chars Rodriguez Andkew Rosberg Hugo Rust osemh Manone Ton Willams fiche Rut data Ft iWrconin Fria Mow Yr Calton Jerry Smith NannetteTioatman fe Aig kg Wathintn Oreoae Promoted To Master General Agent Nickohy Gusey Jason Lams Mitchel Look Diana Newman Vid Basor Dovid Conn Janes Siaee Ret Aig tos Gallons ohio Wanton Michael Red Jonathan Souk Jove Sanches Gary Selisky Ei oral chad ut Seat'smtn Sot Smith Tae few Yer Minis tins David Wang Seat Snth ios SPOTLIGHT JANUARY 2002 8 WWW. Jesica Bergen Fick tig nest olay Drea Fick ay Maninba Jef Heres eve Palos Toes Matthew Kernan Mark Hancock Indiana Tan McLeod 4 Orel Twas Daniel River fri Gigone fav tty John Tipper Guy Roselle Vermont Christopher Hemande scott smh Minos David Mab ik Aig ‘nits columats Bobok Schnackel Fick Aig Washington Arkedi Nulman Larry Ganeser Kansas Jay Siders ne denes the INDIVIDUAL PRODUCERS pee nens Woodridge, IL Edison, N) 4. Brian Quinn Kansas City, MO. Dallas, TX Cai reo ‘Auckland, NZ ens Woodridge, IL Peotone Los Angeles, CA St. Louis, MO (Omaha, NE SPOTLIGHT JANUARY 2902 a WWINAILIFECOM‘All Time Record to Beat Carla Miller INDIVIDUAL PRODUCERS Net ALP $41,337 ‘Month Nov. December Qualifiers Name |. John Baldo - Timothy Cruise |. Therone Alexander - Brian Quinn 5. Derek Sandilands . Cherie Waipourl David Wang Kelly McDonald Erik Martinez | Carla Miller Larry Adebesin 2. Mestor Arameyo Ruban Soberanos, Peter Bardeson Dan Lovie . Christian Adams detf Hermes Stephen Kapsalis Harold MeSweeny aro Rosen |. Dallas Dixon Ronald VaniNoesik slim Blancht Robert Ulrich Joseph Habeeb ioneesn Smith Harold Eliott Joseph Moore Jeffrey Szmranca Shon Lange Volodymyr Derawaryy’ Kendra Roberts Ryan Hungate Buck Luymes Andrew Rosberg . Peter Novellino Danny Desentz Brian Traboulay . Celedonio Javier Nioholas Klusty John Reinbott . Robart Rodney siohn Gain Francisco Perez Joseph Ricci ‘Agrienne Ross Lawrence Tonamore James Dattilo David Balard Vedran Pipinic Net ALP NG" SPOTLIGHT JANUARY 2002 MGA David Brister Eric Nichols David Zophin Arkadi Nulman Melinda-Rae Lyse ‘Stephen Ross Erie Nichols: Kelly meDonald Slav Bitman Larry Adebesin Danny VanHouten Roger Fung Vito Pecoraro Don Gocdwin Steven Jakubozak seffrey Dinosento Slav Bitman Ronald VanlWoesik Paul Rumbuc Roger Johnson Nickolay Gusev John Huber Joffory Churchfiold John MeCreaty Weyne Henticks Michael Knapick tija Orovie David Brister John MeCreaty Buok Luymes Theodore Pappas Jeffory Churchtield Gregory Strausser Brian Traboulay Gloria Sanchez David Zophin David Brister Rory Lee Paul Anderson sbtfray Dinacento sttrey Dinacento Stephen Ross Steven Jakubezak ames Dattio Doreen Ayan-Foti Adam Kiss = WWVWAILIFECOM SGA Erie Giglione Seott Smith Ed Orell Larry Goneser Rick Altio Steve Friedlander Seott Smith David Cohen Larry Geneser Chris Lafond Matt Blumert Tom Willams JatottFoti Joseph Manone Rick Altio Eric Gilione Kevin Pavilowsk! Scott Smith Robert Patterson ric Giglione Larry Gonoser Vad Basov Duron Oldham datoft Foi Vlad Basov Eric Giglione Rick Atig Furer-whitingnit Joseph Masione Scott Smith Rick alto Rick alto Richard Rutt Rick Alto Zeidner-Cowan Rick alti atoft-Foti Ed Orel Eric Giglione Rick Alto Larry Geneser Eric Giglione Eric Giglione Sieve Frieclander Scott Smith Mare Zipper Jatoft-Foti Richard Rutt “Percentage of Netto Gress LOE Timothy Cruise NDIVIDUAL PRODUCERS Net ALP $242,696 YTD Qualifiers 4. Timothy Cruise . David Wang . Ruben Soberanes: 4. Carla Miller James Dattilo .Arkaudi Nulman, . Eddie Norman |. Peter Bardeson |. Roland Parker |. Dorok Sandilands James Peate (avid Ballard Steve Fujtani Nikolay Gusev Bill Wed ‘Theodore Pappas Erig Neal Peter Mikolov Soot! Remmey slnehou Zhao Gregory Engrav Lorena Barrete Mark Gaglaral ‘Andrew Fike Mark Bleier Wesley Bangs Ramin Maghsoud Richard Sauer Brian Trabouley Cat! Boldon Daniel Phares Paul Anderson Rajoev Arora Erik Martinez David Thornton Herman Lioman Michael Thomas Duane Rath Hans Manseth ‘Wal-Ming Wona Michael Perkins James Logan ‘Angeles Ordas George Vrban Errol Doerr Bradley Kincaid Stacey Wall Carmin Fusco Daurell Balad Kouassi Appiah Net ALP $226,774 216,013 185,191 170,138 166,901 140,761 192,933 131,752 191.341 125,369 122,785 121,086 118,396 116.178 115,745, 110,143, 108,852 107.470 105,919 105.606 104,197 102.671 102.640 102.557 102.135 100.260 100,172 98,890 98.440 98.312 98.146 96,298 95,688 95,359 94,303 92,268 $1,980 s1978 ot940 91,842 91015 £0,980 £0,866 89,776 89,707 e9519 29,303 29,231 87,809 26,913 SPOTLIGHT JANUARY 2002 MGA) Erie Michols Eric Michols James Dattilo Arkadi Numan Eddie Norman Danny VanHouten Roland Parker Molinda-Rae Lyse James Peate Doreen Fiyar-Fotl Dennis Muth Nickolay Gusev ack Seite Theodore Pagpas Slay Biiman Stephen Ross Jeffrey Dinovento ‘witbur Smith Stoven Engrav Lee Conti Doreen Fyan-Fot! Elizabeth Mallon Wendell Bangs Larry Kudlaoek David Brister Brian Traboulay Danial Phares Paul Anderson Hurst Koop Shay Bitman Erik Graham Herman Libran ‘Micnael Thomas Stay Bitman Hurst Kopp on Wold Doreen Ryan-Fot James Logan George Vrban Wendel Bangs, Rory Lee Jefrey Dinoconto Vita Pecoraro Darrel Ballard Roger Fung = WWHAILIRE.COM SGA Scott Smith Scott Smith Jatoft-Fott Chris Lafond Mare Zipper Lanry Geneser Scott Smith } Joseph Manone Tom Wiliams Rick Altig Mare Zipper datort-Fot Rik Aig Vlad Basov Hancock-Boles Richard Rust Larry Geneser Steve Friedlander Eric Gigliona Rick Alto Rick Altig David Cohen satoft-Fot Robert Glover Gary Bleier Rick altio Vlad Basov Frc Gigione Rick alt Zeidner-Cowen Mare Morton Larry Geneser Rick Altig Larry Geneser David Cohen Lisa D'Amico Robert Smith Larry Geneser Rick alti Rick Alto datoit Foti Hughes-Parekh Furer-vnitinghit Mare Zipper Rick Altig Rick alto Eric Giglione Frie Gigione alo't-Fotl Ati *Perceniage of Nel to GrossWORLD’S GREATEST BONUS $7504 En An Larry Adebesin Matt Blumert Therone Alexander Ed Orel Timothy Cruise Scott Smith Dallas Dixon Larry Geneser Erik Martine Larry Geneser Kelly McDonald David Cohen Carla Miller Chris Lafond Brian Quinn Larry Geneser Mare Rosen Erle Gigiione Derek Sandilands Rick Altig Ruben Soberanes Jatoft-Foti Cherie Waipouri ‘Steve Friedlander David Wang Scott Smith 3500+ CS as David Ballard datoft-Foti Jennifer Baron Tom Williams Lorena Barriere David Cohen Hamidrez Bassir Mare Zipper Mark Bleier Gary Bleier Jason Brinkmeyer Larry Geneser John Cain Larry Geneser Dale Cavestany Jatoft-Foti James Dattilo Mare Zipper Danny Desentz Zeidner-Cowan Jesse Espinoza David Cohen Steven Greer Durhon Oldham Celedonio Javier Jatott-Foti Nicholas Klusty Ed Orell ‘Stephen Liberto Eric Giglione Brian Martinez Robert Patterson Peter Nikolov ‘Steve Friedlander Jarrod Novicke Ed Orell Sean O'Neill Steve Friedlander Tim Oztungue Scott Smith Francisco Perez Eric Giglione Vedran Pipinic Richard Rutt Joseph Ricci Erie Giglione Robert Rodney Rick Altig Adrienne Ross ‘Steve Friediander ‘Shamshinder Sidhu Rick Altig Thaddeus Szuwalski Erie Giglione Lawrence Tenamore ‘Scott Smith Brian Traboulay Rick Altig Thomas Vaughn Scott Smith Bill Wade Hancock-Boles Roy Zeikle Larry Geneser Brian Zophin Ed Orell $6004 ae ea | Christian Adams Eric Gighione Nestor Aramayo: Tom Williams Peter Bardeson Joseph Manone Jim Bianchi Durhon Oldham Volodymyr Derevyanyy Rick Altig Harold Elliott Rick Altig Joseph Habeeb Vlad Basov Jett Hermes Kevin Pawlowski Ryan Hungate Furer-Whittinghill Stephen Kapsalis Scott Smith Shon Lange Scott Smith Dan Louie Rick Altig Alan Buck Luymes Rick Altig Harold MeSweeny Robert Patterson Heeni Mikaere Steve Friedlander Joseph Moore Furer-Whittinghill Peter Novellino Rick Altig John Reinbott Eric Giglione John Rice Jatoft-Foti Kendra Roberts Eric Giglione Joshua Robinson Larry Geneser Andrew Rossberg Richard Rutt Duane Roth Larry Geneser Moneesha Smith Eric Giglione Jeffrey Szmanda Joseph Manone Charles Todd Scott Smith Robert Ulreich Jatoft-Foti Ronald VanWoesik Vlad Basov 5400+ {Te a Tawnya Aguirre David Cohen Machelle Berry Jatoft-Foti Carl Boldon Zeidner-Cowan Celine Boudreau Ramin Kouladji Stephen Bright Larry Geneser London Burnett James Surace David Carey Scott Smith Jason Cooper Larry Geneser Carmin Fusco Eric Giglione Hal Herman Durhon Oldham Brian Hoff Larry Geneser Roger Hotz Rick Altig David larussi Ed Orell Anthony Jefferies Joshua Chalom Jacqueline Miru Steve Friedlander Arkadi Nulman Larry Geneser Daniel Rivera Eric Giglione Imran Sati Joshua Chalom Latonya Tucker ‘Scott Smith George Vrban Marc Zipper Jinzhou Zhao Rick Altig SPOTLIGHT JANUARY 2002 WWW.AILIFECOM QUALIFIER Carla Mill Timothy Cruise David Wang Brien Quinn Derek Sancilands Arkaci Nulman Ruten Soberanes John Rice rik Martinez David Ballard Harold MeSwoeny Andrew Rossberg Marc Rosen kelly MoDonald Steve Fujten! James Datblo Brian Martinez Adrienne Ross Denard Cooper Brian Traboulay Duane Roth John Baldo David Carey James Peate John Reinbott Joseph Moore Francisco Porez Wade Robert Urcich Nestor Aramayo Charles Todd Roland Parker Valentin Trujito Scott Remmey ‘AGENCY Chris Lafond $10,919 Seott Smith Scot Smith Lamy Geneser Bick Alig Lay Geneser alot ot Jalot oti Lary Geneser Jato Foti Robot Patterson Richard Fut! Eric Cigione David Cohen Alok Ati Mare Zipper Robert Paiterson Stove Friedlander Eric Gigione lok Alig Lary Geneser Eric Cigione Scot Smith Mare Zipper Enc Gigione Furer-Whitingril Eric Gigione Hanoeck-Bolos Jatt Foti Tom Wiliams Scot Smith Tom Wiliams Sot Smit Ene Ggloe 3.967 7498 6460 507 5,724 2a 5,285 as 5,068, 4,993 4.894 4913, 4,202 4108 3,755 3,750 3,703 3.628 3,543 3.443 3.449 3418 3401 3.397 3,362 3,948, 3,348 3,008 9,288 9,262 3,248 3,240 3,158 QUARTERLY BONUS QUALIFIER Mark Bleior Jeff Hermes Lorene Barriore Robert Aks Roger Hotz Joshua Robinson Poter Bardeson Nikolay Gusev Moneesha Smith ‘Stophon Bright Clitford Kearboy Potor Nikoloy Hal Herman Waiting Wong Datias Dixon Nactetle Berry sinehou Zhao Roneld Vanwoostk Gary Hausman David Cassidy Tim Oztunguc CCledenio Javier Peter Novellino Gay Beier Kavin Paniowst Davie Cohen Lary Geneser Fick Alig Lary Geneser Joseph Manene Via Basov Ee Giglone Lary Goneser Lary Goneser Stove Fredlandor Duthon Olcham Fick Alig Lary Geneser JatoeFot Riot ig Via Besov Davi Cohen Fick Alig Sectt Smth datott Ft Rot Aig ‘Alan Buck Luymes ick Alig Volodymyr Dereyanyy Rick Alig Bradley Kincaid Maurice Davies Joseph Habeob Jim Bianchi Larry Adebesin Hugo Rust Cail Boldon amin Maghsoud ‘Sam Harteroad SPOTLIGHT JANUARY 2002 @ _WHWAILIFE.COM Rick Alig Steve Friedlander Vad Basov Duthon Oldham Natt Blumest alot Fot Zeidnet-Cowan Vad Basov Hancock-Boles $3124 3095 3095 9080 9052 2931 2.983 2970 2.933 2.886 2881 2,880 2.859 2054 2834 2828 2821 2820 2816 2gia 2785 277s 2re2 262 279 ane om'6 aria 2700 2694 2091 2090 2677 2685 Fourth Quarter Bonus Qualifiers ‘AGENCY QUALIFIER AGENCY Dan Louie Rick tig CChris Christensen Ed Orel Thorone Aloxandor Ec Ore Cherie Weipouti Steve Friedlander John Vargas: Tom Wiliams Shon Lange Scot Sin Leroy Frye Larry Geneser Michael McDonald. Jatot-Feti London Burnett Jamas Surace Stephen Kapsalis Scot Smith John Bulocze Mare Zgpor Bryan Fratt Ed Orel Kubilay IsbilenFurer-Whitinghil Steven Greer Durhon Oldham Allen Green Richard Putt Heeni Mikaere Steve Friedlander Lois Pitcher Steve Friedlander Matthew Wolfanger Duron Olitam Robert Bicdle —_Henvock-Boles Jeffrey Bell Zoidnor-Cowan Theodore Pappas Richard Rutt Michael Saracino Dennis Isher George Viban Mare Zipper Jessica Bergren ick Atig Jean Kamden Tyrone Gonere Paul Martinez Ed Orell Carmin Fusco Frc Giglone Sean Ajay Jalot-Fat Michaol Potkine Jaiot-Foti Amy Shamsiev Richard Rutt Total $2,693 2.618 2615 2,600 2672 2,568 2,868 2.565 2.561 2,559 2,858 2897 2,690 2,680 2,821 2613, 2,507 2,800 2.497 2,405, 2,488 2.485, 2473 2.468 2,458 2.448 2.419 2412 2410 2407 $326,259SUPERVISING AGENTS GENERAL AGENTS AL Dallas, TX ‘Woodridge, IL, odie, IL. Pes Auckland, NZ All Time Record to Beat December Production Month: $94260 ‘st Yr. iclize! Rede Month: $108 54 Met ALP an Fti Name Ast Year Net Pers | N/G | #1st¥r MGA SGA Rpm enns pee Agent ALP Agents Hecember Production Months $43,409 fst Ye. Gino Tani Month: $50 605 Net ALP Chal Rohs 1. micnaet read — | $07,165 | srov.a99 | aot) a1 | 21 | avid zopnin Ed Orel 2. Eric Neal 82,537 91,557 83.60 ar W Slav Bitman Larry Geneser_ Name qatvear Wet | Pars |e | easy MGA SGA 3, Wesley Bangs 41,633 4o99¢ | 0317] 89 | 10 | Wendell Bangs. Rick Alig ‘Agent ‘ALP ‘Agents 4, dose Sanchez 41,230 46451 | 9450) 9 12 | Eric Nichols Scott Smith 5, Gary Selesky 34,046 e742 | 73.16 | 04 8 | Michael Knapick Scott Smith 1. Kevin Surles $35,950 ‘$47,299 87 £ ‘David Zophin Ed Orel 6. Greg Spence 32,301 38.204 90.12 | 36 9 David Zophin Ed Drell 2. Deborah Peers: 19,898, 20,655, oo 3 ‘Steven Lee Rick Altig 7. Leanne Hughes: 30,118 44,032 78.30 | 80 B David Brister Eric Giglione 3. Lisa Donoghue 17,043, 25,863, 89.29 oT 3 ‘Lawrence Hauck Steve Friedlander 8. Maurice Davies 29,662 34303 3472 | 98 4 Stephen Ross Steve Friedlander 4.Jason Danielson 14,629 26,074 2 1 Wendell Bangs Rick Alig 9. James Beck 28,448 37354 | 8197 | 88 7 | Steven Jakubezaie Scott Smith Darren alist W578 18,575 at 2 Erle Mohola, Gott Smith 10_Jettrey Ravntizky 26,182 sore _| 8144] 86 8 Nicholas Nitkowsky | Tom williams EM tee ace cd SUR On ae 10 Production YM: $395686st Vr James Pole YTD: $854,600 let ALP YTD Production YID: $142726 4st¥t. Vlad Opre YTD: $287 92 Net ALP Vian Ope Name Ast Year Net Pers | N/G | #1stYr MGA SGA Name Ast Year Net Pers | N/G | #4st¥r MGA SGA Agent ALP Agents aes cee ee 1. Eric Neal $489,120 $568,069 | 63.60 | 67 un Slav Bitman Larry Geneser 1. Kavin Surlas $85,305, $122,718 87 - Ed Orel 2. Gary Selesky $77,987 446,803 | 78.16 cy 8 ‘Michael Knapick Scott Smith 2. William Richard 68,500 52,827 a7 3 Michael O'Rourke Larry Geneser 3. Michael Redd 953,176 397,967 | 86.31 a a David Zophin: Ed Orell 3. Deborah Peers: 58,801 81,386, on 3 Steven Lee Rick Altig 4, Leanne Hughes: 287,099 492,105 | 7830 80 8 David Brister Eric Giglione 4. Lisa Donoghue 55,478 103,653, 89.29 7 3 Lawrence Hauck Steve Friedlander 5. Jose Sanchez 262,129 344,018 | 84.56 89 12 Eric Nichols ‘Scott Smith 5. Stephen Momberg 55,071 121,790 79.93, 81 2 Jetfory Churchtield Rick Altio 6. Jeffrey Ravnitzky 245,653 255,514 | 81.44 86 8 Nicholas Nitkowski Tom Williams Spins Ant ston guieirsoreconton nt Spotgtae solos: Mss ae or st Yar Agent coed and esta protecton equonen®. chwem | Gal | ae lerlel i (eedbin wae 9, Errol Doerr 161,868 252,382 | 81.33 84 q ‘Wendell Bangs Rick Altig 10. Wayne Huber 160,569 205,591 726 84 5 John Huber Eric Giglione ‘eera Agent seston quidelnes for ecognition inthe Spotigat areas ‘olows. Musi have wo Fst Year Agents coded ana meet al racucion requremerts 10 SPOTLIGHT JANUARY 2072 WWWaILIFECOM SPOTLIGHTJANUARY 2002 WIWAILIFE,COM. uSt- Lau, MO goth soot gt? n Woodridge, IL Walnut Creek, CA, Auckland, NZ eae Rochester, NY Woodridge, IL aes Crystal, MN Redmond, WA, ores Southfield, MI SOTLIGHT JANUARY 2002 © WWWAILIFE.COM ecole Production Month: $190,653 1 ‘Month: $236,811 Net ALP Eu! Orell ist Yt. Slav Bitman Pers | NG Name Tom | ‘Met aLP wate ‘SGA 1. Slav Bitman $197,166 | $171,101 76.87 18 3B Larry Geneser 2. Paul Rumbuc 106,352 108,352 83.01 89 a Durhon Oldham 3, Stoven Jalubezok 84,702 | 99123 | 7790 | 84 15 | Scott's 4. Eric Nichols 79,365 112,041 79.45 84 19 Scott Smith 5. Stephen Ross 74,644 89,986 7921 94 15 Steve Fredlander 6. Wendell Bangs 89,909 82,709 | 61.72 84 1 Rick Altig 7. Stove Foti saci | 70751 | 7669 | 78 a7 | cto Foti \ 8. Wilbur Smith 59,417 86,255 | 8077 80. 4 Rick Altig 9. Lawrence Hauck 55,492 57,126 | 81.89 94 9 ‘Steve Friedlander 10. Gregory Strausser 54,457 53,23 | 77.26 80 4 Zeidner-Cowan 11, Lee Conti 51214 63,379 | 754 84 15 David Cohen: 12. John McCreary 42,532 41,062 90 Aa Furer-Whittinghill 18. Danny VanHouten 41,758 44,703 | 82.13 79 13 Joseph Manone 14. Arkadi Nulman 44,139, 58,793 94 4 Larry Geneser 15. Theodore Pappas 41,042 41,895, 95 8 Richard Rutt 16. Vito Pecoraro 38,341 96,975 75.51 19 8 Eric Giglione 17. Roger Fung 37,739 61,543 78.53 78 12 Rick Altig 18, John Akers 36,725 37,007 83. 4 Chris Lafond 19. Wayne Hendricks 35,577 44,011 Brat 87 9 Joseph Manone 20. Scott Geisel 33,874 37,387 78.24 81 10 Lisa D'Amico geen 10 Production Ym: $1 EW ell $2,048,70 Net ALP Ed Orel Name Wate | Nota’ | Pers | NG ae SGA 1. Slay Bitman $1,705,178 | $1,800,173 | 76.87 78 23 Larry Geneser 2. Paul Rumbue 748,169 762,721 | 83.01 89 a Durhon Didham 3. Eric Nichols 681,805 859,697 | 79.45 84 19 Scott Smith 4. Steve Foti 571,629 917,853 | 76.69 78 Ww Jatott-Fott 5. Paul Lund 545,086 665,810 | 74.99 78 8 ‘Scott Smith 6. Lee Conti 531,444 840,558 | 77.54 84 15 David Cohen 7. Christine Hartman: 516,297 805,539 | 78.04 a1 Ww Cohen-Hartman 8. Stephen Ross amai9| e7iaa7 | 792i | 94 15 | Steve Fredlander 9. Gregory Partse 464,671 617,307 | 77.87 63. 8 Hancock-Boles: 10. Wendel Bangs 428,045, 607,990 | 81.72 a4 12 Rick Altig 11. Steven Jakubczak 410,980 459,488 | 77.90 4 15 ‘Scott Smith 12. Steven Lee 389,964 498,005 | 80.03 78 9 Altig-Martyn 13. Grogory Strausser 379,086 380,021 | 7.26 80 14 2eidner-Cowan 14. Danny VanHouten 372,145 457,179 | 82.13 79 13 Joseph Manone 15. Wilbur Smith 355,653 997,927 | 80.77 80 24 Rick Altiy 16, Erik Graham 353,387 883,939 | 62.80 8 10 David Cohen 17. Robert Olson 337,139 701,901 | 77.01 79 12 ‘Scott Smith 18. Lawrence Hauck 333,109] 390.981 | a1g9 | 94 9 | Steve Friedlander 19, Vito Pecoraro 312,863 473,165 | 75.51 79 8 Eric Giglione 20. Scott Geisel 303,623 980,363 | 78.24 a 10 Lisa D'Amico Master Geert Agentsletionculings fr recogntion nthe Spotigit are ols: Met have fur Fat Year Ages coded ane mot al procustion requirnts SPOTLIGHT LANUARY 2002 41 WWIWAAILIFE.COMSlav Bitman $11,582 Paul Rumbuc $9,846 Steven Jakubezak $8,838 Stephen Ross $7,226 Lawrence Hauck $6,924 Erie Nichols $6,810 Arkadi Nulman $6,527 Steve Foti $6,323 Gregory Strausser $6,051 Wendell Bangs $4,849 John MeCreary $4.746 Vito Pecoraro $4611 Theodore Pappas $4,597 MANAGEMENT BONUS Monthly Management Bonus 65 Percent and 70 Percent MGA Contracts 57.5 Poxcent GAs Coded Under MGA December Bonus Qualifiers Lee Conti $4,576 Jeff Churehtield $3,968 Wilbur Smith $3,248 John Akers $2,907 Bill Cook $2,905 Robert Olson $2,533, Eric Neal $2,438 James Dattilo $2,057 Steven Lee $1,868 Brian Traboulay $1,035, Don Goodwin $1,546 Danny VanHouten $1,402 Rebecea Francis $1,302 Michael Hanson $1,300 Neil Zeigler $1,267 Wayne Hendricks $1,243 Wesley Bangs $1,066 Paul Lund $1,045 Roger Fung $1,085 Jose Sanchez $1,016 John Franklin $1,013 Raymond Seale $004 Leonard Leach $957 Jonathan Saluk $936 Christian Adams $923 Gloria Sanchez $888 Total $144,258 Christine Hartman $860 James Back $786 Peter Novellino $725 Roland Fletcher $837 Steven Greer $524 Ed Slallworth-Cherry $515, Gregory Partee 421 Michael Thomas $370 Kim Abraham $356 Marlon Underwood $348 Andre Abramovich $307 Bobak Schnackel $304 James Bailey $297 SPOTLIGHT JANUARY 2002 WWW.AILIFECOM Leslie Taylor $296 Rosario Aguilar $296 Edmundo Martinez $287 Carlos Cantu $270 Peter Nikolov $267 Dorian Oldham ‘$254 Lorena Barriere $252 David Melcher $226 Damon Hartley $226 Maurice Davies $201 Steve Surace $135 SGA PROMOTIONS Vlad Bast Vlad has heen promoted to State General Agent in Texas. Vlad was formerly a Regional General Agent under Larry Geneter. Vlad bas been with American Income Life sines June 1997. “Bvery single step U have taken since I started at AIL has brought me closer to my goul of becoming « State General Agent, Holding the title of SGA gives me she opportunity to establish myself as « great leader, andl ive other people a chance to follow in my footstebs on the way to prosperity.” Robert Hughes Robert has been promoted to State General Agent in North Carolina. Robert was formerly a Regional General Agent under Jack Kirscbling. Robert has heen with American Income Life since June 1996, “The State General Agent opportunity means that I have been coached and have demonstrated how t0 succeed with American Income Life. Being given this opportunity also means I have the capacity to igenerace that sure success in others." | Shashi has been promoted to State General Agent in. North Carolina. Shashi was formerly @ Regional General ‘Agent unde Joseph Manone. Shashi has been with American Income Lie sinee September 1992 “The challenge of being an SGA is great in many ways. As I grow in this leadership vole my personal objective will be to foster a strong team eneironment that will enable wy success to he the success of those around me. hope my contribution will help with the continued growth and excellence of AIL.” Allan Jennings Alllan has been promoted © Stace General Agent in Utah, Allan was formerly with the William Jennings Agency out of Colorado. Allan started wich American Income Life out of the Houston office in 1996 “The State General Agent position symbolizes the true opportunity that American Income provides to all their Agents. In my estimation, ifs0u cannot sell this unique opportunity then you need to be in another field of work. When you work for an amazing organization like AIL, the opportunity rely just sells itself.” Irving Straun Inving joined AIL in January 2002 as a State General Agent in the Virgin Islands. Irving was formerly in retnil rmarketing but recognized the need to get back into insurance where he hal worked for many years “L believe customer service is the key to success, that is wat Ilike about AIL. They are very customer service focused, I now have the opportunity to meet the needs of working families and look forward to the challenge of making American Income « household name in the Virgin Islands.” SPOTLIGHT JANUARY 2002 = WWW.AILIFE.COM 5em ea ae Ree Ua LC ni 7 OF Sea Eric Gigione Sesoaes suum re serats $2,754,081 $1,596,000 173 $421,206 Scott Sith 204077 192000 97401 Jere ‘sivovee “toseoo) 438068 David Cohen Te) eon el aoa OS age santa] YOBOON ae 278000 Hancock Boles Tog! — 84000 ER GO 7781 936000 119 142an2 Richard Rut 73200 96,000 €2—— 9005690815 720,000 500516 CRMs eo Durhon Oldham $110,849, Peat ULE aT RU age at) ag If ea Of Cr See $50,000 185 $110,849 6983.17 $831,308 BH —-$67,233 817715 $621,842 444.000 SCT age eat) $578,000 “Only the leading $6As with 100 percent or hettarin monthly Percent of Qucta wil ave thei picture displayed on ths page [SPOTLIGHT JANUARY 2002 8 WWW.AILIFECOM 187 __ $631,398 Covi 108 _ $1,079,305 STATE GENERAL AGENTS ener CE Le esse ASA AL ua Yr TT haa ran) a a Steve Friedlander $140,310 900 $168,028 99 75.95 $1,077,487 $402,000 249 $1,098,069, oseph Manone 7078 See 24 110,867 82 BHO O5,EBT_ 492.000 191 —+1,452,645 usa D’AmiCo 33901 36,000 945,741 8077.83 399.254 492,000 685,643. fi) a DECEMBER PRODUCTION Mea a Net ALP | NG Crem ered Mc 174 __ $61,350 _78 78.31 $450,161 $268,000 _185_ 640,416 CT Cee cu Rena Ld Furer-Whittinghill $85,268 $96,000 237 «$96,190 89 $319562 $160000 178 $442,701 Witenbact-Ostrovsky 49,570 24,000 206.——54,000 111,428 48000 232 «124,268 Robert Pattorson S197) 24,000 156___—44,630 89016 48.000 185 98,877 “Only the beating SGAs with 100 percent or better in monthly Percent of Quota will have their picture displayed on this pave. SPOTLIGHT JANUARY 2002 1 WWIWVAILIFE.COM 7Do You Believe in the Impossible? “There is no use trying,” said Alice, “One cannot believe impossible things.” “{ dare say you have not had much practice,” said the Queen of Hearts, “When I was your age, | always did it for half an hour a day. Why, sometimes have believed as many as six impossible things before breakfast.” Disney's immortal tale of “Alice in Wonderlanal” highlights the possibility of accomplishing the impossible. However, for most of us wonderland is just a child’ notion, worlds away from reality. In the imaginary world of wonderland rabbits talk and cards As we head into 2002, we find ourselves standing in front of another rabbit hole, ready to embark on yer another adventure. Are we prepared to follow the rabbit co this new place we have never been — $75 nillion in Agency production and 1.25 million hard cards generated by Public Relations? Do you believe in the impossible? Fer Alice, the rabbit hole initially appeared as a dark tunnel, It was then suddenly illuminated with cupboards, bookshelves, maps and pictures hung upon pegs, and finally it opened to an unbelievable adventure land! This year is sure to he an adventure, but [ promise you a rabbit hole lined with: come to life, but how any parallels exist to the real world? For me, wondetland is - bos that much different | f | ie | Sore up wort vend one realiey you bellows the q imposible can be done, dhercroastentelawe ja ‘Alice aed insuond loved T know it is easy to be entertained by the notion of fantasy, but [also know it much mote exciting to see our own. the imagination.” FROM THE DESK OF Denise Bowyer Vice President & National Director of Public Relations “All acts performed in the world begin in ‘© People available to help you achieve the impossible. AIL has a leadership circle of PR. mentors to assist you in recruiting, training, and planning in your local area. ‘© Updated presentation tapes, printed materials, and an online resource center. ‘¢ New markets for 2002, including directions which are currently under development. — Berhaca Harrison impossible dreains manifest into reality. As the 2001 bell rang and the year came to a close, we found ourselves celebrating our $65 million year. Some said it couldn’t be done. At American Income, we believed in the impossible. We proved that wonderland did indeed exist, and that a $65 million year was possible! As Alice tumbled down the rabbit hole, she was unsure of her surroundings. As we embarked upon ur journey to $65 million, we were unsure of cur surroundings. We were going places we had never been before. New and strange places can appear frightening, yer advencurous. ‘© Success stories from the field which will be shared oon a regular basis through the Public Relations Resource Center. Now is the time to step inco a new world where minimum standards will measure your success, long term service will be rewarded through additional financial opportunities, and each of you are guaranteed a surreal world filled with adventure! Lee's make the impossible possible. My advice — start believing at least six impossible things before breakfast, then, get ready and jump into the rabbit hole! 18 SPOTLIGHT JANUARY 2002 = WWWWAILIFECOM. cud $1,008 Loo VanDenBussche 975 en 975 Coen 845 peau 813 pond 715 Rey 71 Cereus) 7183 Poy 71 ad 7 ee 750 usa 748 Ce ue 115 ee 683 ‘Anat Gonen 550 rr 550 Erica Dalager 525 re ree 525 Bill Gibson 525 Brug) 500 es 500 Nu 430 eu 440 MT 420 as 420 ue et 420 Wendi Rose 400 eget 313 Cac 250 ee 250 ey 250 ron Ua 250 Eu 250 Arena 220 ee 210 Tene 200 CoO) 200 Crica Cie Ne 200 $20,635 PR BONUS Fourth Quarter Qualifiers en PoC Renee nian UCC) Ann Bowyer Cuca Rees Sey eMC} Sen PLS UF reriid Rene Lr Cer uid Perey Puna Petty Goes ea Ayana Prendergast Goon) Donald Spohn SPOTLIGHTIANUARY 2002 a1 WWWAILIFE.COM| Category A: Debbie Enstedt Winnipeg, MB PR REPRESENTATIVE AL Wall FYB Lee VindenBussche Toronto, ON Winnipeg, MB (eens Malka Arony [ Vivian Dwyer Phoenix, AZ Ashland, VA Category Cs Darrell Dorey William Gibson Halifax, NS oy Woodridge, IL ote nett dO°9 Oe SPOTLIGHT JANUARY 2022 & WWWAILIFECOM. PR REPRESENTATIVES _ Decomber Production ‘Yr Production eo ans Gonos 1. Debbie Enstedt 23,930 | Rick Altig 1. Debbie Enstedt 179,791 | Rick Altig 2, Rona Spano 537 | Scott Smith 2. Charles Hill 50,904 | Jatoft-Fot 3. ALWall 7,832_| Joshua Chalom 3. Rona Spano 50216 | Scott Smith YTD: 61,879 cards Denise Bowyer 1. Al Wall Joshua Chalom 1. Al Wall, 35,394 Joshua Chalom 2. Leo VanDenBussche 6,056 Rick Altig. 2. Leo VanDenBussche 32,129 Rick Altig 3. Denise Bateman 5,243, Rick Altig. 3. Robin Denham 28,688 Larry Geneser 1. Malka Arony 4,203 Cohen-Hartman 1, Laurie Onasch 31,026 | Joseph Manone 2 Vivian Dwyer 2399 Billy Faulkner 2. Malka Arony 23,268 Cohen-Hartman 3. Chery! Cook 2.233 Dennis Ishler 3. Darrell Dorey 12,376 Ramin Kouladji: Month: 119 groups Darrell Dorey YTD: 320 groups Darroll Dorey Eien 3. Jenny Wiliams fie oa Attg-Altig CT [tan 4. Darrell Dorey Ramin Kouladji 4. Darrell Dorey 330 | Ramin Koulad 2 Wiliam Gibson Scott Smith 2, Pati Morgan 166 | Tim Schrooder 3. Richard Case James Surace 3, Josaph Ware 135 _| Larry Senoser aa Catoory A= SGA eaogoies ene and two Category = SGA calagois throw four, Sve and sh. Catoory C = Top rumter of corr signed ram al SGA ‘atgores, Public Rdations Manager selection gues for ecognition nthe Spotigitare as folons: Must fake twa PR Representatives coded and mes all redecton rqurements. SPOTLIGHT JANUARY 2002 WWW.AILIEE.COM, 2ANNIVERSARY CONTEST December Qualifiers Lawta Adams Dovid Carey Darsl Jones Lois Pileher Daman Spicer ‘Tawnya Aguitre David Casskly Jean Kamer Vedran Pipinie Thaddeus Seuvalski Linda Amante Dale Cavestany Nicholas Klusey Dennis Pechron Lawtence Tenamore Paul Anderson, Denard Cooper Stephen Liberto Dustin Reaum Lance Thooias David Ballard Jason Cooper Frank Lindal John Rei Tomas Thundiyil Jennifer Baron, James Dattilo Ramin Maghsoud Joseph Chales Tadd Tocca Barrie Danny Dese Chriscophee Mallon | John Ri Ean Tula Hemidreza Bassir isa Donor James Mi Daniel Rivera Latonya Ti Mschelle Berry Jacon Elder Brian Joshas Robinson "Thome Vaughn Mark Bleier Jesse Espinoza Michael Mel Robert Rodney. George Viban Carl Boldon Brian Freeth Heeni Mikacre James Rosovwskey Bill Wade Thomas Bolts Jacaqucline Mew ‘Adricnine Ross Celine Boudreau Jerald Muhammad Duane Roth Brian Bowers Davie Malline Tnaran Sate Daniel Braraley Hal Herman Peter Nikolov Richasd Sauer Stephen Bright Brian Holt Jarrod Novieke James Schneider Jason Briakanoyer Reger Hote Askadi Nalown ‘Susan Schweitzer Mark Brunetio David larussi Kobina Secyé Shaenshinvder Sidhu Steaven Saow Tendon Burnett John Coie Celeslonia Javier Anthony Jefferies Cheistian Adams Volodymyr Derevyanyy Joseph Moore Larry Adebesin Dallas Peter Novelline ‘Therone Alexander | Harold El Brian Quinn, Nestor Aramayo. Joseph Haboeb Kendra Robots Robert Uleeich Perer Bardeson Jeff Hermes Mare Rosen Ronald VanWoesik Jim Bianchi Ryan Hungate Andrew Rossherg Cherie Waipouri Timothy Cruise Stephen Kapsalis Derek Sandilands David Wang, ip of 1000 men Riche Case Darrell Dorey Bill Gibson Jennifer Opa 2 SPOTLIGHTSANUARY 2002 8 WWWAILIFE.COM __ HOME OFFICE New Opportunities The new year is always a time for renewal and change, but itis also a time for new beginnings. January 2002 ushers in many new beginnings for ‘American Income, and for me. For the Company, the new year brings new achievements, new goals and a new slogan, For me, 2002 brings an exciting ‘opportunity as AIL’ National Director of SGA Development. Most of us have grown up with the idew that succeeding in management is the best way to develop leadership skills. However, there are some real personality + In my capacity as directo, [ will serve two functions. First, I will be working with new State General Agents to set up systems in all areas their Agencies to provide a solid foundation for growth. Second, I will be working closely with existing State General Agents to identify and develop leaders who have the talent and ambition to hecome State General Agents As L travel to Agencies across the country, [ will be looking for furure leaders — Agents who possess the talent, spirit, and drive to rise to the top. In other words, | will he looking at each managers and leaders Managers sre people who oversce and direct activities. Leaders are people who step up before others and show the way. In short, not every manager is a leader, and not every leader is a manager. So then, the question differences between | ‘our dreams into reaiey” FROM THE DESK OF: Robert Falvo National Director of SGA Development “Commitment unlocks the doors of imagination, allows vision, and gives us the right stuff to curn, and every one of you who desire to carry the acronym SGA after your name. Lam honored to fill the new role of National Director of SGA Development. I believe itis a position which will not only continue Company growth but, more importantly, will give the future leaders of this Company an avenue to achieve AIL’s most lames Womack | coveted position of State General remains, “How can potential leaders rise through the ranks of management?” Harold Weinstein, Chief Operating Officer of Caliper Corporation once stid, “At the end of the day, the most important — and difficult — responsibility of current leaders is to mentor future leaders, provide opportunities for them to make a difference, and get out of their way.” At American Income, with this newly developed position of National Director of SGA. Development, we are planning to do just that. SPOTLIGHT JANUARY 20028 WWW.AILIFECOML Agent. Tam not exactly Ed MeMahon, and AIL is not exactly Star Search, but we ate seeking the very best and brightest future leaders for this Company. Our growth depends on cour leaders! Now is the time to step up and show others the way, and Tam here to help each and every one of you do just that. [look forward to working with you ro make 2002 the most productive in Company history.Experience the