AMERICA'S RETIREMENT COMPANY

Financial and insurance services, namely, insurance underwriting, brokerage and administration in the field of life, health, disability, annuities, and employee benefits insurance; stop loss insurance; mutual fund and investment brokerage; financial risk management; administration of pension, retirement, employee benefits and annuity plans and programs; retirement funds investment services; providing financial information in the field of retirement planning; investment services, in the nature of asset management services, cash management, financial management, and financial portfolio management; investment management services; securities brokerage services; mutual fund investment services; financial planning services; reinsurance underwriting services; banking services