RAYMOND A HEBRANK EARNS CHARTED FINANCIAL CONSULTANT DESIGNATION

Canoga Park, CA - May 1, 2001 - Raymond A. Hebrank, CPA has earned the Charted Financial Consultant professional designation from the American College, Bryn Mawr, PA. The nations oldest and largest, accredited, distance educational institution, the College offers professional designation and graduate degree programs for those seeking career growth in insurance and financial services.

Candidates for the ChFC designation must complete an eight-course curriculum of study and 16 hours of supervised examinations, and fulfill stringent experience and ethical requirements. Over 35,000 individuals have been awarded the ChFC designation since its inception in 1982.

The ChFC program focuses on the complete financial planning process as an organized way to collect and analyze information on a client's total financial situation; identify and establish specific financial goals; and formulate, implement and monitor a comprehensive plan to achieve those
goals. The subject matter covered by the program includes financial planning, wealth accumulation and estate planning, income taxation, life and health insurance business taxation and planning, investments and retirement planning.

Canoga Park, CA - July 1 2001 - Raymond Hebrank, CPA, ChFC of Canoga Park has been awarded the prestigious Personal Financial Specialist (PFS) designation by the American Institute of Certified Public Accountants (AICPA).

The PFS designation, established in 1987 by the AICPA, recognizes CPAs with considerable professional experience in financial planning. Currently, more than 3,000 CPAs hold the PFS designation.

Raymond Hebrank met six requirements to earn the designation, including
passing a technical exam covering the five functional areas of personal
financial planning: personal income tax planning, risk management and
insurance planning, investment planning, retirement planning and estate
planning. In addition, Raymond Hebrank completed 250 hours of experience per year for three years. All PFS candidates must also hold a valid CPA certificate and be an AICPA member in good standing.

"Given their formal education and technical training in the areas of
accountancy, taxation and general business, CPAs are the most qualified,
knowledgeable and objective financial planning professionals." says Laurence Foster, Chairman of the AICPA's Personal Financial Credential & Exam committee of the Personal Financial Planning Division and himself a PFS. "Supplementing this background with the PFS designation demonstrates a CPA's commitment to providing consumers the highest level of financial planning services.

CPAs who have earned the PFS designation must be reaccredited every three years to maintain the credential.

The PFS program is administered by the PFP Division, which was formed in 1986 to assist CPAs in the growing practice of personal financial planning. With more than 8,000 members, the PFP Division provides members with the information and support necessary to maintain professional competence and experience in the area of personal financial planning.

The AICPA is the national professional association of CPAs with more than
330,000 members in public practice, industry, government and education.