DOWNTURN DEFENSE

Providing financial information and commentary in the fields of savings, investment, the economy, and the financial aspects of retirement; annuity underwriting, brokerage, issuance and administration; annuity services, namely, account and investment administration and the investment and distribution of annuity funds; financial services, namely, providing an investment option available for variable annuity and annuity products; underwriting and administering annuities and annuity claims processing services; investment management of and distribution of variable annuities; brokerage of defined contribution plans; investment management of defined contribution plans; life insurance services, namely, life insurance underwriting, life insurance brokerage, and life insurance settlement services; life insurance brokerage services; life insurance underwriting services; claims management and adjustment services for life insurance; insurance claims administration and processing services; and pre-need life insurance, namely, pre-paid funeral expense services