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DESMOND & PAYNE, INC. Bangor BABY J'S, INC. LARGO BLACKPOOL VENTURES, INC. FORT LAUDERDALE MADISON & 51ST, INC. NEW YORK CROSS INSURANCE-STAMFORD, INC. Bangor CROSS INSURANCE - WAKEFIELD, INC. Bangor FIAI, INC Bangor CROSS SURETY, INC. Bangor BTS INSURANCE AGENCY, INC. Bangor BLACKPOOL GROUP, INC. FORT LAUDERDALE APPLEBY & WYMAN INSURANCE AGENCY, INC. Bangor FORUM ACQUISITIONS II, INC. NEW YORK NEUROLOGY GROUP OF SOUTH FLORIDA, INC. MIAMI SHEFFORD CAPITAL PARTNERS, INC. BOCA RATON FORUM ACQUISITIONS I, INC. NEW YORK CROSS INSURANCE, INC. - RHODE ISLAND Bangor WOODROW W. CROSS AGENCY INC. BANGOR