THE LEWER COMPANIES

Financial advice and consultancy services; Financial information and advisory services; Financial planning; Strategic financial advisory services; Processing, administering, and managing employee benefit plans concerning insurance and finance; Insurance services, namely, underwriting, issuance, and administration of health, travel, accident, ex pat, corporate, international and accident insurance; brokerage and administration of insurance for groups and individuals; issuing, coinsuring, reinsuring, brokering and administration of accident and health and life insurance for groups and individuals