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                             * D E B I T  M E M O  *
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                                                    MEMO NO.       84
TO:  FINANCIAL PLANNERS, INC.
     MS. JANICE DAVIS
     801 S. EDIN, SUITE 2
     TEMPE, AZ  85281
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DATE: /web/91    ADJ-DEBIT TO INVOICE / CORRECTION
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INVOICE    DATE   DESCRIPTION                                    AMOUNT
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  23115  /web/91 ADJUSTMENT                                        0.01
                                                               ------------
                                                TOTAL APPLIED       0.01
                                              TOTAL UNAPPLIED       0.00
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                                                  TOTAL DEBIT       0.01
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