Licenses held by the Cornerstone Group of Companies

         North Carolina Life Insurance-#0012718194
         North Carolina Accident & Health or Sickness-#0012718194
         North Carolina Medicare Supplement and Long Term Care-#0012718194
         North Carolina Loan Officer-#I-121892
         North Carolina Real Estate Broker-#225114
         California Real Estate and Mortgage Broker-#01077032


         License information may be verified via:

         North Carolina Department of Insurance - www.ncdoi.com
         North Carolina Commissioner of Banks - www.nccob.org
         North Carolina Real Estate Commission - www.ncrec.state.nc.us
         California Department of Real Estate - www.dre.ca.gov