Investors Capital Corp.

Gary B. Edwards is a Registered Representative with Investors Capital Corporation. He joined Ingram Financial Group in March of 1994. Gary has more than ten years of experience in the insurance industry. He is licensed with several major Life, Health and Annuity companies and carries a Series 6 license. He is currently authorized to do business in Florida. Gary specializes in meeting the needs of individual clients as well as small to medium size businesses in the areas of life, health and disability. Gary is a lifetime resident of Haines City. He has been married to his wife, Kim, for 27 years and they have two children, Keily and Kyle. He and his family are active in their community. Gary prides himself with his commitment to customer service and understanding his client's needs.

James Arndt is a Registered Representative with Investors Capital Corporation. He joined Ingram Financial Group in September of 1996. James has more than 20 years of experience in the insurance industry. He is licensed with several major Life, Health and Annuity companies. He is currently authorized to do business in Florida. He carries a Series 6 license and the prestigious designation of Certified Senior Advisor. As a Certified Senior Advisor, James has completed rigorous coursework with specialized studies in the financial and personal issues of seniors and passed comprehensive exams the areas of retirement and financial planning. James has been recognized in the industry as being an outstanding representative and has received Globe Life and United American agent of the year award 1988 & 1990 for his service. By working with Ingram Financial Group, he is able to offer stocks, bonds, mutual funds, life, health and disability insurance and annuities to individuals as well as small-to medium-sized businesses. James' proven formula for success is full commitment to customer service through better understanding the clients' needs.

Julie Phillips is an Investment Advisor Representative with Investor's Capital Corporation and became affiliated with Ingram Financial Group in August 2002. Julie brings more than 15 years of experience in the financial industry to Ingram Financial Group and carries Series 6, 7, and 66 licenses. She is currently licensed to do business in Florida. Julie is a 1992 graduate of the University of South Florida with a major in Finance as well as a 2000 graduate of Leadership Winter Haven XX. Julie offers financial services and planning in the areas of: 401(K)'s, IRA's, stocks, bonds, mutual funds, life and disability insurance, annuities to individuals and businesses. Her successes are the result of continuing education, impeccable integrity, and her client's individual goals. Julie's proven formula for success is, "structure the investment portfolio to maximize relative value while reducing predetermined risk levels." Julie is very active in the local community being affiliated with the Winter Haven Chamber of Commerce, St. John's United Methodist Church and Pride Partnership of Polk County.

Renee W. Senes is a financial consultant with Investors Capital Corporation and an independent investment advisor representative affiliated with Investors Capital Corporation Advisory. For over 10 years, Renee has provided fee-based investment and asset management, insurance, financial consulting, college and retirement planning for individuals and small businesses from her home office in Harvard. A former teacher, Renee enjoys educating her clients and encouraging them, especially women, to be active participants in their financial futures.