Financial Planning Resources, Inc.

FINANCIAL SAFEGUARDS

service which educates and informs consumers about insurance companies and other firms in the financial services industry, their respective products and services, and other personal financial matters; such information may be delivered in printed form by mail, electronically by facsimile transmission or computer modem or other electronic mail, or by oral telephone communication;

VTR

computer programs for providing access to information in variable annuity, variable life and fixed annuity investment products and industry analysis reports for use by insurance professionals in the insurance industry;