MANAGEMENT SECURITY PLAN

financial analysis and consulting services; actuarial analysis, consultation and design of funded and unfunded executive compensation plans; analysis, consultation and design of supplemental executive retirement plans (serps); analysis, design and establishment of funding vehicles and mechanisms for compensation plans; insurance sales and brokerage services; design and implementation of split dollar insurance policies; preparation of insurance policy illustrations; consultation on selection of insurance carriers and policies; insurance underwriting; administration of employee benefit and pension plans; analysis and design of executive compensation plans; funding of employee benefits using insurance policies and trusts; administration of insurance policies and trusts; estimating necessary funding and benefit levels; trust management services; and establishing and administering trusts holding a refund right in split dollar insurance policies