This Document is prepared strictly for the confidential use of our customer(s) and those advising

our customers. It has been provided to you at your specific request. This Document is not intended

for the direct or indirect solicitation of business. Weiss Ratings, Inc. expressly disclaims any

warranty of merchantability or fitness for any particular purpose that may exist with respect to this

Document.

The information contained herein has been derived from data furnished by official sources that we

deem reliable. However, Weiss Ratings, Inc. has not independently verified the data. The data and

infornlation contained herein is, therefore, provided "as is" without warranty of any kind.As such,

Weiss Ratings, Inc. makes no warranty, express or implied, or representation as to the/accuracy,

adequacy or completeness of the information relied upon by it in preparing this Document.

Weiss Ratings, Inc. uses the most current information in its possession during the rating review

process. However, in the interim, the institution may have disclosed other information which could

have a bearing on the opinions expressed in this Document.

Weiss Ratings, Inc. disclaims any and all liability to any person or entity for any loss or damage

caused, in whole or in part, by any error (negligent or otherwise) or other circumstances involved

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The ratings and other opinions contained in this Document must be construed solely as statements

of opinion from Weiss Ratings, Inc., and not statements of fact. Each rating or opinion must be

weighed solely as a factor in your choice of an institution and should not be construed as a

recommendation to buy, sell or otherwise act with respect to the particular product or company

involved.

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copying, displaying, selling, distributing or otherwise delivering of this information or any part of

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Message To Insurers

All HMO data received on or before July 31, 2002 has been considered or incorporated into this

edition of the Directory. If you have not yet completed our survey form, call Sandy Fenton at Weiss

Ratings, Inc., (561) 627-3300. If there are particular circumstances which you believe could affect

your rating, please use the survey sheets we have sent you or send a written request to bring it to our

attention. If warranted, we will make every effort to incorporate the changes in our next edition.