FRED. S. JAMES & CO.

Insurance Brokerage and Agency Services-Namely, Technical Services Relating to Risk Analysis, Control of Loss to Property and Earnings and Prevention of Human Injury; Services Relating to Employee Benefit Plans Including Actuarial and Pension Plan Services, Benefit Claims Services, Benefit Communications, Rehabilitation Services and Administration of Employee Benefit Plans; Services Relating to Captive Management, Loss Forecasting, Self-Insurance, and Administration of Workers' Compensation Self-Insurance Programs