Three Dimensions of Brokerage Service

DUAL EMPLOYEE

• Stocks, Bonds, Options, virtually all general securities plus insurance
  through ICBFS Insurance Services

• Series 7, 63, 65 or 66, and Life/Health insurance

• up to 90% of Gross Commissions

DEDICATED EMPLOYEE

• Mutual Funds, Annuities, Ret. Plans, IRA’s, 529 Plans, RIA’s, VUL’s and
  Insurance Products

• Series 6, 63, 65 and Life/Health License

• up to 90% of Gross Commissions

DIRECT ACCESS

• Customer Directed trades in stocks, bonds, options and mutual funds

• 800# access FREE

• Internet Access $600/year

• 25% of Gross Commissions