Dear Mr. Kean,

We are excited to announce the formation of the Emery Financial Group of 
First Union Securities. Effective this morning, based on a wide array of 
issues, we have resigned from UBS PaineWebber. We have a strong desire to 
continue the relationship that we have established with you. We are currently 
in the process of contacting you by phone. Please feel free to contact us at 
your convenience to discuss why we feel that this change will provide a 
mutual benefit for both yourself, and to the Emery Financial Group in terms 
of the service it will allow us to provide for you. Following is a list of 
our new phone numbers:

Rocky Emery:713-853-2401
Pat Dowd: 713-853-2403
Hank Emery: 713-853-2407
Toby Pullig: 713-853-2383
Vince Weir: 713-853-2384
Julie Haviland: 713-853-2386
Caye Taylor: 713-853-2366
Ana Hilario: 713-853-2385

We look forward to hearing from you!

Sincerely,


The Emery Financial Group: