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            <p align="center"><font face="Arial, Helvetica, sans-serif"><b><font color="#000066"><em><strong>What's 
              next for your investment strategy? </strong></em></font></b></font></p>
            <p align="center"><strong><em><font face="Arial, Helvetica, sans-serif"><b><font color="#000066">(And 
              a FREE IRA offer!) </font></b></font></em></strong> </p>
            <p><font face="Arial, Helvetica, sans-serif"><font size="-1">It is 
              more important than ever to take control of your finances. How will 
              all the world and financial events affect your ability to achieve 
              your personal financial goals? What could or should you consider 
              doing differently? As a valued client, your advisor can help you 
              develop confidence that you are on your way to meet your desired 
              financial goals.</font></font></p>
            <p><font face="Arial, Helvetica, sans-serif"><font size="-1">You have 
              already worked hard to develop a sound and clear financial plan 
              that is right for your personal situation. But of course things 
              change. In these times of market uncertainty, now may be a good 
              time to review your goals and plan with your advisor. Through that 
              process, you can adjust your financial strategies to match this 
              dynamic marketplace and your changing needs, keeping you on track 
              to meet your financial goals. </font></font></p>
            <p><font face="Arial, Helvetica, sans-serif"><font size="-1">Given 
              the new realities of the financial markets, careful planning is 
              more important than ever. For instance, you may want to consider 
              having your portfolio address a balance of both short-and long-term 
              objectives. Depending upon your situation, investment options can 
              range from a variety of stable-value, income-producing cash reserve 
              products to a wide range of mutual funds and stocks. Your advisor 
              can help you choose the investment types that can help provide an 
              appropriate balance of risk and return for you while helping you 
              to meet your goals. </font></font></p>
            <p><font face="Arial, Helvetica, sans-serif"><font size="-1">Your 
              financial advisor is able to help you define your own success and 
              will help keep you on track to achieve it. Call your advisor today 
              to set an appointment to discuss your financial concerns.</font></font></p>
            <p><font face="Arial, Helvetica, sans-serif"><font size="-1"> <font size="0"><i><b>**ACT 
              NOW on a Free IRA Offer available until December 31, 2001! </b></i></font>Find 
              out about our Free For Life IRA, with no minimums and no custodial 
              fee&#151;ever! Call your advisor today to take advantage of this 
              opportunity. <br>
              <br>
              <font size="-3">American Express Financial Advisors Inc., Member 
              NASD. American Express Company is separate from American Express 
              Financial Advisors Inc., and is not a broker-dealer.</font></font></font></p>
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            <p><font face="Arial, Helvetica, sans-serif" size="-1">American Express 
              offers you online access to a host of retirement planning tools, 
              information, and resources on our Financial Services destination 
              under Retirement. Visit us at <a href="http://tm0.com/americanexpress/sbct.cgi?s=177180221&i=432441&d=2131820">http://finance.americanexpress.com/finance/retire.asp</a>. 
              </font> </p>
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              P.S. This e-mail was sent to </font><font face="Arial, Helvetica, sans-serif" size="-2">. 
              If you received this e-mail at a different address, this e-mail 
              message was forwarded. If you do not wish to receive future e-mail 
              offers from American Express, please hit the reply button and let 
              us know by typing the word "REMOVE" and indicate this e-mail address 
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              Please visit the American Express Privacy Statement at <a href="http://tm0.com/americanexpress/sbct.cgi?s=177180221&i=432441&d=2131821">http://www.americanexpress.com/privacy</a> 
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      Copyright 2001. American Express Company.  All Rights Reserved.</font><font face="Arial, Helvetica, sans-serif" size="-1"> 
              </font><font face="Arial, Helvetica, sans-serif" size="-1"> </font></p>
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