James H. Payne

Part VII, p 1, Line 7 Sale effective 02-05-2004; inadvertently omitted from 2004 report.

Part VII, p 1, Lines 8 & 10 Anchor National and Polaris merged in 2001 and now identified as Sun Life/Polaris Variable Annuity.

Part VIL, p 1, Line 9 Formerly identified as AmCapFund, Inc. Mutual Fund (high income)

Part VII, p 1, Line 16 On November 22, 2005, SBC merged with AT&T and the new entity known as AT&T

Part VII, p 2, Line 27

Sale effective 02-05-2004; inadvertently omitted sale in 2004 report.

Part VII, p 2, Line 28 Sale effective 02-05-2005; inadvertently omitted sale 2004 report.

Part VII, p 2, Line 29 Failed to indicate on 2004 report as only a “partial” sale effective 12-30-2004.

Part VII, p 2, Line 30 Same fund as reflected in #26; will delete #30 from 2006 report.

Part VIL, p 3, Line 37 Sprint Nextel merger; previously reported Sprint stock sold in 2002; did not recognize as only a "partial" sale of Sprint stock until notice of

merger of balance of 50 shares of Sprint stock with Nextel on 08-12-2005.

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