General Securities
   Our brokerage services include access to all domestic and international stocks, US Government Securities, Corporate Bonds, Tax Free Municipal Bonds, Money Market Accounts, and Certificates of Deposits.

Mutual Funds
   We offer an almost unlimited universe of mutual funds from which to choose. Systematic purchase plans can be established by directly debiting your personal checking account.

Retirement Services
   Our Correspondent relationship with both NFS & Pershing allows us to offer you many different types of individual retirement accounts to help you plan for you retirement needs, including traditional IRA, SIMPLE IRA, Roth IRA and rollover IRA. In addition, we offer access to 401(k) products through Fidelity's Premiere Select Retirement Solutions & Bank of New York.

Fee Based Money Management
   Our fee based registered investment advisory services offered through RK Asset Management are designed for use with your mutual funds, annuities, stocks and bonds. By providing a low annual fee for assets under management rather than charging traditional commissions, we will be able to help provide you with a cost effective solution to consistent professional money management. The different programs offered are:

1. Financial Asset Builder
   Financial Asset Builder is an Advisory Investment account which eliminates all sales commissions from transactions. Commissions are replaced with a quarterly fee compensation - paid as a percentage of assets.

• Equities, bonds and mutual funds may be purchased in the same account.
• You may buy and sell No-Load and i-share (load waived) mutual funds.
• You may transfer in load shares purchased from other agents.
• Many mutual funds trade without a transaction fee.
• Bond trading inventory available.
• Online account access.
• Broad equity research capabilities are provided online.
• Access to public offerings
• Quarterly performance evaluation.

2. Pro Access
   The Pro Access program is a separately managed account asset management program for general securities and fixed income instruments that utilizes approved outside money managers. The managers in this program can be customized by the introducing firm, providing the managers meet the due diligence requirements of the program sponsor. Managers are screened based on the following criteria:

• Well established and consistent organization
• Professional and experienced staff
• An identifiable and disciplined investment philosophy
• Consistent long term performance
• Responsiveness to client servicing

Centralized Asset Account
   The Brokerage Portfolio Account is a centralized asset and cash management accounts designed to provide both individual and business clients with greater control over their assets. It has powerful features designed to help save time, make it easy to organize financial data and help build a strong financial portfolio. They offer competitive rates of return on money fund balances and simplified record keeping, all while maintaining financial flexibility. VISA Gold debit/ATM card and unlimited check-writing are also a feature of these accounts.. Additional features include electronic access for direct deposits, withdrawals and systematic investments, and convenient borrowing of up to 50 percent of the value of the marginable securities in your account.