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      "I strongly believe that the success of Gemini Holdings lies with our outstanding Management Team and its ability to analyze market trends, identify industries with solid growth potential and creatively structure transactions to meet the needs of all parties. Upon making an acquisition, our Management Team, in conjunction with the managers of each company, develops a strategic, long-term business plan which capitalizes on the industry knowledge of our on-site personnel in conjunction with Gemini's expertise in the areas of finance, accounting, legal, risk management, business development, sales/marketing, information technology and personnel. I feel that this synergy between organizations allows us to maximize each company's growth potential."

Thomas M. Certo,
President and Chief Executive Officer
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