FIRST ALLMERICA FINANCIAL LIFE INSURANCE COMPANY

1-800-PENSION

Financial Services-- Namely, providing retirement plans for small businesses;1 800 PENSION;

A HIGHER STANDARD

insurance and financial services, namely, marketing, development and issuance of variable insurance products;

ALLMERICA FINANCIAL SERVICES E-FIRM

Providing a web site of information to agents/financial representatives about our financial services products and also providing reports, access to ordering forms and supplies;

ALLMERICA MEDICAL MANAGEMENT (AMM)

ALLMERICA MEDICAL MANAGEMENT AMM;health care utilization and review services for group medical clients; namely, pre-hospital review, surgical review, ambulatory review, concurrent review, discharge planning, catastrophic case management and retrospective review;MEDICAL MANAGEMENT;

ALLMERICA+ACCESS

ALL AMERICA PLUS ACCESS;insurance and financial services, namely, a service that provides a gateway to providers and end users of a variety of premium insurance products;

EVERY DAY COUNTS

health care utilization review services for group medical clients; namely, pre-hospital review, surgical review, ambulatory review, concurrent review, discharge planning, catastrophic case management and retrospective review;

FINANCIAL PREVIEW

Financial Preview is the name of a financial planning software program;

FINANCIAL PRIORITIES

Financial Services-- Namely, fee-based financial planning;FINANCIAL;

FP

Financial Services, Namely, fee-based financial planning;FP;

INTEGRATED DISABILITYONE

Insurance Services; Namely, joint administration of various disability claims;INTEGRATED DISABILITY 1;

INTEGRATED PARTNERS

To deliver a consultative, process approach for integrating financial products and services within intermediary businesses Services will involve the use of a proprietary analysis technique for recommending tailored solutions in the areas of Marketing, Training, Financial Planning, Practice Management, Asset Management, Compliance, Legal and Licensing;

PENSIONWORKS/800

PENSION WORKS/800;providing pension account information by telephone; namely, providing retirement and investment information to retirement plan participants;

POST-RETIREMENT NAVIGATOR

Insurance and Financial Services; Namely, retirement planning services;

RETIREMENT.GET READY.

DESIGN, IMPLEMENTATION, AND ADMINISTRATION OF EMPLOYEE DEFINED BENEFIT AND DEFINED CONTRIBUTION RETIREMENT PLANS WHICH PROVIDES RETIREMENT INCOME AND DEATH BENEFITS TO INDIVIDUALS;RETIREMENT;

TOGETHER WE'LL EXPAND YOUR REACH

telecommunication services, namely, tag line for telephone communication services;