Mr. Howard Stern
The Selario Agency, Inc.
300 Mt. Lebanon Boulevard
Pittsburgh, PA 15234

Dear Howard:

As you realize, IBC is part of a producer's group that very rarely makes use of the services of insurance entities outside of that group. We believe for the most part that the members of our producers group include all of the types and variations of products to satisfy our client base.

On occasion, IBC has made use of The Selario Agency because you could provide a good and unusual product or an answer to a specific need that would satisfy a client of ours. On those occasions where we have used your services, I would term your response "world class." I also am remiss in not mentioning to Sam that when I think of Selario, I immediately think of Howard Stern.

You are well aware that in today's business world, everyone wants an answer yesterday. We are always in a rush, so service in the form of accurate, quick answers and quotes is paramount. You folks have always provided that speed and accuracy together with knowledgeable, helpful information that allows us to respond to our clients needs.

Although we strive to be self-sufficient, occasionally we need an unusual product; and when those situations arise, we will be sure to give you a call.

Best of luck to you and Sam,

John Irvin