March 24, 1999

Alan Ashlay Miller, CLU
AM Insurance Agency
315A Los Gatos-Saratoga Road
Los Gatos, CA 95030-5310

Dear Alan,

I want to thank you for the excellent service you have provided to TriGem America Corporation, its employees, and me as our group insurance broker since June 1st, 1988.

Although I am retiring at the end of this month, I just wanted to take a moment and complement you on your fine efforts.  I believe your integrity, product knowledge, and follow through are sought-after qualities for any company selecting an insurance broker to represent them in today's complex group insurance market place.

As one who has personally had an opportunity to work with you, I wish you every continued success.


Young M. Kimm, Vice Chairman of the Board
TriGem America Corporation
48400 Fremont Boulevard
Fremont, CA 94538
Phone: (510) 770-8787

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