EMPLOYEE BENEFIT AND INSURANCE SOLUTIONS -  NORTH CAROLINA
         
           The Cornerstone Group of Companies evolved out of client demand for the implementation of
           complex financial services in a no-nonsense, straightforward and simplified manner. We explain your  
           options, make recommendations along the way, guide you through the maze of paperwork and follow
           up with you on a regular pre-determined basis to make sure you're absolutely satisfied with your
           customized benefit program and address any ongoing needs or concerns you may have. All quotes
           are provided in writing for your review and the review of your designated advisors.

                                          Cornerstone Benefit Plans - Focused on group benefit solutions, Cornerstone            
                                          Benefit Plans offers a full line of affordable benefit options including group life,        
                                          health and disability coverage as well as dental, vision and long term care products.             
                                          Whether your company is a start up in need of a benefit program or an established   
                                          firm re-evaluating its current benefit offerings Cornerstone stands ready to assist  
                                          you in evaluating affordable benefit options. We work in conjunction with  
           Cornerstone Wellness Group which works with employers to set up wellness plans promoting healthier 
           living and lifestyle changes for employees in order to reduce medical claims, insurance premiums and 
           improve employee job satisfaction, performance and productivity. Executive "key person", business 
           buyout and cross-purchase plans are also offered and are  deemed part of a prudent business succession
           strategy.    www.ncbenefitplans.com    Learn more...

           Cornerstone Insurance Group - Focused primarily on individual and family insurance needs,   
           Cornerstone Insurance Group offers affordable benefit options and solutions from only the highest
           rated and most reputable insurance carriers. Through the completion of a comprehensive financial
           needs analysis we're able to lay a foundation for a customized insurance strategy that will both 
           meet your needs and fit your benefit budget.  Learn more...  

           The companies we're proud to represent include:  Assurant Health - Cigna - Coventry Health - Humana 
           MetLife - Blue Cross Blue Shield of North Carolina - United Healthcare - UNUM

                           RESIDENTIAL AND COMMERCIAL LENDING STRATEGIES -  CALIFORNIA
                                              
                                          Capital Lending Group - Capital Lending Group was founded in 1990 as a 
                                          boutique brokerage tailored to accommodate the needs of first time homebuyers
                                          as well as sophisticated clients in California that recognize the value of concierge     
                                          service. Capital Lending Group strives to be a leading provider of home loan and
                                          commercial financing solutions while meeting and exceeding the expectations of
                                          our clients. Capital Lending Group strives to provide unmatched customer service    
           and competitive rates while making sure our clients and their designated advisors fully understand the
           loan products as well as their long and short term utility.   Learn more...½ Today's California rates

                        REAL ESTATE SALES, LEASING AND PROPERTY MANAGEMENT -  NORTH CAROLINA

               SOUTHLAND REALTY - Southland Realty was initially founded to provide existing Cornerstone customers
           in North Carolina with a trusted advisor to guide them through complex real estate transactions. Public
           demand for reliable and trustworthy agents has challenged us to expand our client base to include
           the general public. Our commitment to you is to provide you with a superior customer satisfaction
           experience, the resources of an entire office and team of seasoned experts and our earnest desire to
           make your first experience with the Cornerstone Group of Companies a memorable one. Learn more...

           First time homebuyer guides
                                                                                                  
                                                                                                                                     Links to local and national associations             
             
             BORROWING      CHOOSING THE       KNOWING AND        A HOME OF
                  BASICS       MORTGAGE THAT'S   UNDERSTANDING       YOUR OWN
                                        RIGHT FOR YOU        YOUR CREDIT      
          
           Call us at (919) 389-8199 in the Raleigh, Durham, Chapel Hill or Cary areas and (877) 645-0980 in
           California or outside the Triangle region for a free written rate quote for a group benefit plan, individual
           benefit plan, home financing or real estate disposition solution.  

           Start your relationship today with a trusted advisor. Call us at (877) 645-0980  
           for a free no obligation employee benefit, insurance, mortgage OR real Estate
           consultation.
                 
               Cornerstone is licensed by the N.C. Department of Real Estate, the N.C. Commissioner of Banks, the N.C. Department of
               Insurance and the California Department of Real Estate. CLICK HERE to view a list of our licenses.                                                     
               All Rights Reserved © 2008 The Cornerstone Group of Companies.