Chris Nicholls, Director of Sales, Long Term Care Division and Rich Danese, Manager Sales Support and Administration

To:  All of our Valued Associates

From: Kevin J. Shields, President

December 21st, 2009

It is my pleasure to announce that Chris Nichols will be joining our company on December 21, 2009 in the position of Director of Sales, Long Term Care Division.

Chris has been in the long term care industry for 20 plus years, and he brings with him a great wealth of experience. Most recently he served as Field Vice President at Penn Treaty handling the Northeastern territory. Prior to Penn Treaty, Chris spent many years in the field, as an LTC agent and a manager.

It is also my pleasure to announce that Rich Danese has joined our company in November, 2009 in the position of Manager Sales Support and Administration.

Rich has been in the insurance industry for 10 plus years, and he brings with him sales, customer service and accounting background. Most recently he worked as an independent agent, selling life, health and long term care insurance products and securities. Prior to that, Rich worked at AF & L, as the manager of the agency and customer service areas..

Please join me in welcoming Chris and Rich to our company!

Pinnacle Financial Services
95 James Way, Ste 122
Southampton, PA 18966
800-772-6881