SFS SECURITAS FINANCIAL SERVICES PROVIDING SECURITY THROUGH FINANCIAL FREEDOM

Insurance brokerage of credit insurance, group health insurance, group life insurance, group dental insurance, long term care insurance, individual life insurance, individual health insurance, and short and long term disability; debt protection, namely, agreement by a lender to cancel, suspend, or waive loan payments if predefined events affect a borrower's ability to repay a debt; underwriting warranty programs in the field of automobiles; fraud protection, namely, approving new accounts and building customer relationships inside financial institutions; cross-border payment processing, namely, international and domestic wire transfers; electronic check recovery; individual retirement account (IRA) services; annuities, namely, sale of annuities; financial planning services, namely, plan implementation and review and setting financial goals; voluntary payroll benefits, namely, processing, administering and managing employee benefit plans; Guaranteed Asset Protection services (GAP), namely, agreement to pay difference between actual cash value of customer's vehicle and remaining loan balance in event of total loss; collateral protection and Vendor Single Interest (VSI), namely, providing coverage for lenders whose auto and real estate loan clients fail to maintain adequate automobile and homeowner's insurance coverage; Bank Owned Life Insurance (BOLI); overdraft protection, namely, ensuring that overdraft items (checks) are paid; core deposits growth, namely, a comprehensive program designed to attract new checking accounts; and 401K, namely, a retirement plan allowing saving for retirement while deferring income taxes on the saved money and earnings until withdrawal under Section 401(K) of the Internal Revenue Code