Bobby Cox Companies, Inc.

June 14, 2004

Money Management Educators
3267 Bee Caves Rd., Ste. 107-304
Austin, Texas 78746-6773

Dear Wes:

On behalf of Bobby Cox Companies, I would like to thank you for the informative seminars that were presented in May of 2004. The attendees enjoyed your presentations and were provided with thought-provoking and valuable financial information. We also appreciate your offer to meet with employees who are interested, for individual consultations.

We appreciate the time that you spent here at Bobby Cox and look forward to other future seminars.

Sincerely,
Glenda Etheridge
Payroll Administratorr

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