KCI FINANCIAL SERVICES, INC.
"Celebrating our 29th Year"

Mailing Address: P.O. Box 49347, Sarasota, FL  34230
(954) 443-4443 Office    (954) 443-4445 Fax       claims@kcifinancialservices.com
KCI FINANCIAL SERVICES, INC. is a third-party administrator for I.R.S. Section 125
Cafeteria Plans.  We have been implementing and administering Cafeteria Plans for  
29 years.  Services through our partner company includes plan document
preparation, and flexible spending account administration for medical and dependent
care reimbursement plans.  In addition, KCI offers a variety of supplemental
insurance benefits qualified by the I.R.S. as pre-tax when paid for through the
convenience of payroll deduction.

Our clients include both public and private corporations as well as many
municipalities.  We pride ourselves on our integrity and quality of personal "hands on"
customer service to thousands of employees in Florida and across the United
States.  We have a team of well-trained benefit counselors to serve you and your
employees throughout the year with claims filing assistance, new employee
orientation and one-on-one enrollment.

KCI FINANCIAL SERVICES, INC. creates a "win-win" situation for employers as well as
employees.  The employer "wins" through the installation of this program that directly
and positively affects their bottom line through payroll tax savings, aids in long-term
cost containment and increases employee morale.  The employees "win" by having a
degree of control in planning their benefits, paying for certain qualified benefits with
pre-tax dollars and enhancing their benefits at no additional out-of-pocket cost.

                       
  KCI FINANCIAL SERVICES, INC.            
Providing Excellent Service Since 1987