William Maher - Page 5




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               During 1998, Kristen lived with Mr. Maher at 966 Clove                 
          virtually the whole year.  During 1998, Billy lived with Mr.                
          Maher at 966 Clove for most of the year.                                    
          Payments Made by Mr. Maher                                                  
               In 1998, Mr. Maher paid the following amounts:  (1) Mortgage           
          payments on 305 Livermore totaling $9,271.80 in principal,                  
          $4,086.33 in interest, and $1,546.39 in real estate taxes; (2)              
          $812 in homeowners insurance on 305 Livermore; (3) $2,688 in                
          health insurance premiums; and (4) $2,364 in automobile                     
          insurance.  Thirty percent of Mr. Maher’s health insurance                  
          premiums were for the benefit of Mrs. Maher.                                
               During 1998, Mr. Maher owned a 1990 model year car, and Mrs.           
          Maher owned a 1996 model year car.  Mr. Maher paid for collision            
          coverage on Mrs. Maher’s car but not on his car.                            
          Mr. Maher’s Professional Background                                         
               Mr. Maher has been a certified public accountant for                   
          approximately 15 years.  In 1977, he received a B.A. in                     
          accounting from New York University.  In 1983, he received an               
          M.S. in tax from Long Island University.                                    
               From 1977 through 1978, Mr. Maher worked as a financial                
          consultant for AT&T.  During 1979, he performed tax work for the            
          City of New York.  During 1980, he worked for the Internal                  
          Revenue Service as a revenue agent.  From 1980 through 1983, he             
          was an auditor at Deloitte, Haskins & Sells.  From 1983 through             






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