Marty Klein

A subsidiary of Lehman Brothers Holdings, Inc., Lehman Brothers, Inc. is a broker/dealer headquartered in New York City. They provide global equity and fixed research. The equity research department covers more than 100 sectors. They use a fundamental, quantitative, strategic and tactical research approach. In addition to these Lehman has also developed special products, such as 10 uncommon values and 10 uncommon eurovalues.

Part of Mr. Cooper Group, Inc., Providian Corp. provides life insurance services. The private company is based in Arlington, KY. The CEO of the company is Shailesh Jayantilal Mehta.

I.C.H. Corp. owned and operated quick service restaurants under the Arby's name through its wholly-owned subsidiary, Sybra, Inc. It also owned and operated a full-service family dining restaurant operated under the Lyon's name. It was headquartered in San Diego, CA.

Athene Annuity & Life Assurance Co. provides life insurance services. The company is headquartered in Greenville, SC.

ARM Financial Group, Inc. provides financial solutions which is specializes in the growing asset accumulation business with particular emphasis on retirement savings and investment products. The Company's retail products include a variety of fixed, indexed and variable annuities and face-amount certificates sold through a broad spectrum of distribution channels including independent broker-dealers, independent agents, stockbrokers, and financial institutions. The Company offers institutional products, such as funding agreements, certificates and guaranteed investment contracts marketed to defined contribution plans, bank collective trust funds, GIC investment managers, money market funds, corporate treasurers, and other institutional investors. The company was founded in 1993 and is headquartered Louisville, KY.

Part of Zurich Insurance Group AG, the private company is an insurance concern. The company is based in Schaumburg, IL.

Barclays Capital, Inc. is a registered broker/dealer headquartered in New York City. The firm was founded in 1997 and is a subsidiary of Barclays Group US, Inc., ultimately owned by Barclays plc (LON: BARC) in Great Britain. Barclays Capital provides large corporate, government and institutional clients a full spectrum of prime brokerage services which includes equities and fixed income financing, OTC Clearing, Futures and Foreign Exchange Prime Brokerage and access to industry insights and analytics from their Strategic Consulting team.

Insurance Solutions Group is an independent Brokerage General Agency offering Life Insurance, Annuities and Long Term Care Insurance products thru some 15 insurance companies. They are licensed in over 40 states; in states that do not license corporate agencies, they operate under licenses issued to one or more of the agencies corporate officers. At Insurance Solutions Group, the company customer is the licensed agent. They believe that an agents' time is valuable and is best spent when he or she is in front of their clients and prospects; to that end, the company goal is to be the agents back office- from providing the agent with access to cutting edge products, to recommending appropriate carriers for a case and on thru underwriting and case issue. They believe in High Tech coupled with High Touch- High Tech to facilitate underwriting and issue of a case; High Touch because they believe in treating the agent the same way they want to be treated- as a person, not just a number.