THE TRUE NORTH FINANCIAL GROUP

Financial planning services, namely, insurance planning services and field underwriting of life, disability and long-term care insurance products; investment advice, planning and management services and the sale and support of investment products including annuities and mutual funds; planning services for education funding; retirement planning services; estate planning services; and small business planning services in connection with implementing key-person retention strategies, shareholder agreements, qualified retirement plans, non-qualified deferred compensation plans and the sale and support of employee benefit plans, such as group health insurance