

| Benefits of Membership |
| Buffalo Association of Insurance and Financial Advisors, Inc. is affiliated with the State and National Association. The State and National Association works very hard to preserve the special tax favored status life insurance has enjoyed for many years. They are also dedicated to creating a level playing field with other distributors who have entered our business. The good work they do benefits all life insurance agents and brokers, not just BAIFA members. All of us need to join or renew so that our voices are heard in Albany and Washington. It's not fair for anyone to benefit from the good work done at the National, State and local level by not being a dues paying member. If you have not yet renewed, please do so immediately. If there's a new agent in your organization, please sponsor him or her. |
| No matter how you look at it, BAIFA membership is an exceptional value and investment in your professional future. |


| BAIFA NOTES September 2007 November 2007 |