And GLB respondents (34%) say they are dissatisfied with the assistance
provided by their financial institutions (vs.
This online sample is not a probability sample. (http://www . "In a funny, witty, yet
tastefully suggestive way, of course.

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These are a few highlights of a nationwide survey of 2,322 U. 33 36 33
I don't trust financial institutions
to respect customers like me.com

Being
past a desirable hiring age, I was unable to find another job to support
myself," she recalls. Response has been overwhelming.

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Seven out of ten (71%) GLB adults and 59 percent of non-gay
respondents say , "It is important to me to know that a financial institution
does not discriminate." Only three out of ten (30%) gays also say they "trust
financial institutions to respect customers like me" (vs.

"

TABLE 1
LIKELY INVESTMENT DECISIONS WITH $100,000
"If you were to make $100,000 due to investing, how likely would you be to use
some part of that money for each of the following?
(Percentages of those who say very or somewhat likely)

Base: All Adults

Total GLB Heterosexual
% % %
Traveling for pleasure 75 80 75
Reinvest the money into tax-free
accounts (such as retirement
accounts/bonds) 73 82 73
Improving your home, or buying a
vacation or retirement home 69 67 70
Reinvest the money in checking,
savings, or money market accounts 68 80 68
Putting money aside for your children
or grandchildren 64 24 68
Making substantial contributions to
charities, institutions, or causes
you agree with 61 57 62
Reinvest in the stock market 53 59 53
Treating yourself to a luxury item
such as expensive jewelry, clothes ,
or a car 45 55 44
Early retirement 39 48 39
Starting your own business 26 31 26

TABLE 2
AGREE WITH STATEMENTS ABOUT FINANCIAL HEALTH
"Please tell us how strongly you agree or disagree with the following
statements.)?"

All Adults

Total GLB Heterosexual
% % %
Bundled products managed
by one representative or
company 39 48 39
Multiple vendors for
financial services 30 25 30
Neither of these 10 7 11
Does not matter 20 20 20

Methodology
Harris Interactive(R) conducted the study online within the United States
between May 4 and 10, 2005, among a nationwide cross section of 2,322 adults
(aged 18 and over), of whom 158 self-identified as gay, lesbian, or bisexual
(GLB).harrisinteractive.

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, According to a recent nationwide
online survey, gay, lesbian and bisexual (GLB) adults may differ from
heterosexuals when considering their personal financial needs -- especially
decisions on investing, spending and working with financial institutions. "These data provide
many insights financial institutions may use to successfully reach out to
their current and prospective gay customers in a direct manner that meets
their needs as individuals and families.
In theory , with a probability sample of this size, one can say with 95
percent certainty that the results for the overall sample have a sampling
error of plus or minus 2 percentage points.
Plain Brown Wrapper Greetings(R) will be making their second appearance at
the National Stationery Show in New York, May 15-18.

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About Harris Interactive(R)
Harris Interactive Inc.com), the 15th
largest and fastest-growing market research firm in the world, is a Rochester,
NY-based global research company that blends premier strategic consulting with
innovative and efficient methods of investigation, analysis and application.

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National Survey Reveals Gay and Heterosexual Personal Financial Decisions May Differ

Witeck-Combs Communications/Harris Interactive Survey Suggests Gays More
Likely to Reinvest Assets and Remain More Wary of Financial Institutions

ROCHESTER , N. 24 34 24
I worry about bad investment
decisions I have made in the past.

About Witeck-Combs Communications, Inc.novatris.

Press Contacts:

Nancy Wong
Harris Interactive
585-214-7316

Kelly Gullo
Harris Interactive
585-214-7172

Bob Witeck
Witeck-Combs Communications
202-887-0500 ext.

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Trusting and welcoming
institutions remain a far higher priority to GLB adults than to non-gay
respondents. 39 40 39
I enjoy learning about investing and
talking with friends and family about
it. Although we
remain interested in the consumer attitudes and characteristics of
transgendered individuals , for accuracy and consistency we distinguish sexual
orientation from gender identity.hieurope.

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It is growing clearer however that gays and lesbians share these
concerns but have different attitudes toward investing and toward forming
trusted relationships with financial institutions," said Jake Stafford, senior
communications strategist at Witeck-Combs Communications.

Hot New Sassy Greeting Card Line Converts Creator's Heartbreak Into Humor

My cards reflect those candid and
sometimes naughty thoughts spiced up with a healthy dose of humor."

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24% of heterosexuals).
The survey was conducted online between May 4 and 10, 2005 by Harris
Interactive(R) in conjunction with Witeck-Combs Communications, Inc. 44 49 44
I worry about my individual privacy
when dealing with financial
institutions. Sampling error for the GLB sample
results is plus or minus 8 percentage points.
Plain Brown Wrapper Greetings(R) are in retail outlets in 16 states and
sample packs can be purchased on the company's Web
site, http://www.

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adults , of
whom seven percent (158) identified themselves as gay, lesbian or bisexual. There are several other possible
sources of error in all polls or surveys that are probably more serious than
theoretical calculations of sampling error.
It is impossible to quantify the errors that may result from these factors.S. 19
bwiteck@witeckcombs.

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In April 2003, American
Demographics magazine identified Bob Witeck and Wes Combs as two of 25 experts
over the last 25 years who have made significant contributions to the fields
of demographics, market research, media and trendspotting for their
pathbreaking work on the gay and lesbian market.

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Similarly, eight out of ten (80%) gays say they would reinvest the
$100,000 in checking, savings or money market accounts (vs., a
strategic public relations and marketing communications firm with special
expertise in the gay, lesbian, bisexual and transgender market. 19 19 19
Investing is something I feel obligated
to do, but I don't enjoy doing it. Propensity score weighting was also used to adjust for
respondents ' propensity to be online. In addition, given the low incidence of
response from transgendered individuals , it is extremely difficult to draw
conclusions from the data captured. At the constant urging of
friends, she began putting her sassy and saucy post-marriage musings in the
form of greeting cards .com .

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adults are asked how they likely would use some or part
of $100,000 they earned due to investing , approximately eight out of 10 (82%)
gays and 73 percent of heterosexuals say they would reinvest the money into
tax-free accounts. 59 71 59
I am not very knowledgeable about the
stock market.witeckcombs.
Harris Interactive combines its intellectual capital, databases and
technology to advance market leadership through its U.

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The new survey also asked both GLB and non-gay respondents whether they
agree or disagree with a number of statements about their financial health and
the financial institutions that serve them . 36% of non-gays). 18 15 18

TABLE 3
BUNDLED OR UNBUNDLED SERVICES
"If there is little difference on price , quality and function of a product or
a service, would you prefer to bundle your financial services and products
from one financial institution or broker/representative, or use different
financial institutions for each financial product (such as insurance,
investing, general banking, etc. With over nine years experience
in this unique market, Witeck-Combs Communications has developed respected
relationships throughout the community and serves as a bridge between
corporate America and gay and lesbian consumers.com), Novatris in
Paris (http://www.com), and through an independent global network of
affiliate market research companies. NEW YORK, They say necessity is the mother of
invention.

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(1)
For example, when U. Because of
programs like The Bachelor, Desperate Housewives and the now syndicated airing
of Sex and the City, today's women -- and even men -- feel freer to express
their thoughts about intimate relations.

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"
(% Very/Somewhat agree)
Base: All Adults

Total GLB Heterosexual
% % %
I am in control of my finances. 27 36 26
I am dissatisfied with the assistance
that has been provided to me by
financial institutions. 24 24 25
In my case, investment decisions are
about luck, not skill.

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In addition, if reaping windfall earnings such as $100,000, over half of
GLB respondents (55%) say they would be somewhat or very likely to treat
themselves to "a luxury item" such as jewelry , clothes or a car, compared to
44 percent of heterosexual adults.
These statements conform to the principles of disclosure of the National
Council on Public Polls.
Witeck-Combs Communications , Inc.
Known for The Harris Poll(R) and for pioneering Internet-based research
methods, Harris Interactive conducts proprietary and public research to help
its clients achieve clear, material and enduring results. EOE M/F/D/V.

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)
"Managing, protecting and growing financial assets are important to
everyone. queried gay, lesbian,
bisexual and transgendered (GLBT) self-identified respondents . To
make matters worse, I was unemployed because I had left my executive position
with a Fortune 500 company to care for him after he had a heart attack.

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S. 68% of non-gays).
Not surprisingly, given the higher incidence of children in non-gay
households, heterosexual adults (68%) are more likely than gays (24%) to say
that they would put money aside for children or grandchildren. They include refusals to be
interviewed (non-response), question wording and question order and weighting.

Additional Note: Previous research conducted by Harris Interactive in
conjunction with Witeck -Combs Communications, Inc.
"Marriage, divorce and dating is something everyone relates to," says
McCook.

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Perhaps underscoring how gays believe trust plays a role in choosing a
financial vendor, if there is little difference on price, quality and function
of a product or a service, gays (48%) would prefer to bundle their financial
services and products from one financial institution or broker/representative
while one in four (25%) gay adults say they prefer different financial
institutions for each financial product (such as insurance, investing, general
banking, etc.

(1) Please note that base size for the GLB sample is very low, so caution
should be used when considering comparisons to heterosexuals or adults
overall. "America's growing openness about sex and relationships is evident by
the huge popularity of TV shows focused on dating and mating.

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S. And the brisk sales of the
line confirm that customers are eager to share those tastefully risque quips
with girlfriends, boyfriends, husbands and wives.

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To become a member of the Harris Poll Online(SM ) and be invited to
participate in future online surveys, http://www.com. But how does someone "invent " a wickedly humorous line of greeting
cards out of necessity?
"It's cheaper than therapy, " is the quick response from Carmie McCook,
creator of Plain Brown Wrapper Greetings(R). "After 10 years of marriage, my
husband suddenly left me for someone else, leaving me in financial ruin."
The sassy, sexy and saucy sentiments found in Plain Brown Wrapper
Greetings(R) have even been described as the "Sex and the City" of greeting
cards," by many retailers and industry insiders.

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59 56 60
It's important to me to know that a
financial institution does not
discriminate. Figures for age, sex, race, education, region and income were weighted
where necessary to bring them into line with their actual proportions in the
population.
Always known for her quick wit and great sense of humor, McCook hid her
pain by making others laugh about her situation.plainbrownwrappergreetings.

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Y. 46 45 47
I feel confident enough to make
sensible investment decisions.com) is the
nation 's premier strategic marketing communications firm, specializing in
reaching the gay and lesbian consumer market. (http://www. offices and wholly
owned subsidiaries, HI Europe in London (http://www.harrispollonline .
"Now people have a line of cards to help them to say exactly what's on
their mind about what that guy or gal did to them, didn't do, or maybe even
what they'd like to have done," says McCook .