CORPORATE BONDS: IIS offers both investment-grade, and non-investment grade, first mortgage and unsecured electric utility bonds and telephone company bonds, airline trust certificates bonds, secured lease obligation bonds, emerging market global and sovereign bonds. Credit quality, coupon rates, maturity date, and call features of a bond will affect your ultimate return on these bonds. MUNICIPAL BONDS: IIS again specializes in finding essential service revenue municipal bonds. IIS gets credits in many different states to offer our clients the benefits of not only federal income tax savings, but possibly state and local tax savings as well. Credit quality, coupon rates, maturity date, and call features of a bond will effect your ultimate return. TREASURY AND GOVERNMENT ISSUES: The US Government issues bonds and backs other securities such as GNMA's. IIS can offer its clients access to these kinds of investments through individual purchases, UIT's or mutual funds. The market price of a treasury security is effected on a daily basis by changes in interest rates. While the timely payment of principal and interest are typically backed by the US Government, market prices in these securities fluctuate every day. UNIT INVESTMENT TRUSTS: Fixed portfolios of treasury, corporate, or municipal bonds are available for the individual investor. They offer the client the diversification often not available to a client purchasing individual issues, at a reasonable cost. Material differences between different kinds of trusts exist, and an investor should carefully read the prospectus before investing. Returns are for the most part competitive with the current individual issues of like credit quality. MUTUAL FUNDS: IIS offers a diverse array of mutual fund investments. Our emphasis is in matching investor needs and investment temperaments with proper fund investments. Good, long term, risk adjusted performance are critical factors we look at in recommending mutual funds to our clients. We have access to many kinds of mutual funds. Categories include: Equity Funds: Aggressive Growth Small Company Growth Growth & Income Equity Income International Stock Specialty Funds Municipal Bond Funds: National Municipal Single State Municipal Taxable Bond Funds: Corporate Bonds High Yield Bonds Government Bonds International Bonds Money Market Funds: Taxable Government Tax Free VARIABLE AND FIXED ANNUITIES: For those clients that wish tax-deferred growth, we have a wide array of both Variable and Fixed annuities. Variable annuities are separate account investments which have many of the kinds o investment options that are available with mutual funds. Fixed annuities are investments in the general account of an insurance company that pay a fixed rate of interest for a fixed period of time. Growth of the capital and interest are tax deferred until withdrawn. Early withdrawal can have adverse tax and contract penalties. STOCKS: We have a small list of recommended Blue Chip stocks in which we have our stock customers invest. We have access to all the major exchanges to effect unsolicited buy and sell service to our customers for any stock transactions they may wish to affect. We have access to both wire house and independent research services to provide our clients with enough information for them to make intelligent decisions regarding their stock transactions. INSURANCE PRODUCTS: IIS has a wide array of insurance products to offer its clients. They range from term life insurance, universal life insurance, variable universal life insurance, fixed and variable annuities, and disability insurance. RETIREMENT PLANS: I.R.A.'S: IIS offers a wide array of IRA alternatives for the individual, spouse, or rollover account. We have all kinds of trustee arrangements, which allow for many varying kinds of investment alternatives. We have very competitive self-directed accounts allowing you to invest in stocks, bonds, mutual funds, or many other alternatives. SIMPLIFIED EMPLOYEE PENSION PLANS Through the various plans available for IIS clients, small businesses may offer their employees very competitive qualified retirement plans at a very low administrative cost. Salary Reduction SEP's (for employers of under 25 employees) and the new Simple IRA's (for employers of under 100 employees) allow some employers to offer their employees a pre-tax salary reduction feature as well. BUSINESS AND CORPORATE PLANS: IIS clients who are business owners also have available to them through IIS a wide array of prototype qualified retirement plans that offer very competitive fee schedules and investment options. Defined Contribution Plans such as profit sharing, 401(k), and money purchase are available, as well as Defined Benefit Plans. 403(b) OR TAX SHELTERED ANNUITY PLANS: For non-profit organizations, IIS has many 403(b) or 403(b)-7 alternatives to offer their employees. This allows them to defer a portion of their salary to a retirement account on a pre-tax basis.