SHADOW ADVISORS

Group and individual life, disability, accident, health and dental insurance underwriting services; pension planning services; pension and pension fund management; annuity and annuity administration services; estate planning services; financial planning services for business and college; trust services and investment management services; investment advisory and mutual fund services, namely managing funds, stocks and bonds and other investments for institutions and the general public; financial services, namely, management of money market funds, trust funds, United States government trust funds and stock funds; providing information to others in the field of insurance; managing funds, stocks and bonds and other investments for institutions and the general public; administration of cafeteria plans as described in Section 125 of the Internal Revenue Code; real estate services, namely, real estate management, real estate investment and commercial and residential mortgage lending services; reinsurance underwriting services; joint venture investment services

Educational services, namely, conducting courses, classes, workshops, seminars and training in the fields of insurance, financial services and investment advisory services