UNIVERSAL AMERICAN FINANCIAL SERVICES, INC.

UNION BANKERS INSURANCE COMPANY

Insurance actuarial services; insurance administration; administration of employee benefit plans and pension plans; administration of prepaid healthcare plans; financial analysis and consultation; annuity underwriting; insurance brokerage; investment brokerage; mutual fund brokerage; security brokerage; stock brokerage; capital investment consultation; claims adjustment in field of insurance; insurance claims administration; insurance claims processing; fund investment consultation; insurance consultation; electronic processing of insurance claims and payment data; financial planning and portfolio management; underwriting insurance for prepaid healthcare; organizing prepaid healthcare plans; life insurance underwriting; medical insurance underwriting; supplemental health insurance underwriting; investment management; investment of funds for others; financial services in nature of investment security; mutual fund distribution; re-insurance underwriting; automated securities brokerage; banking services, namely, automated teller machine services; providing bank account information by telephone; savings bank services; banking; mortgage banking; business brokerage; commodity brokerage; mortgage brokerage; mutual fund brokerage; brokerage houses in the field of stocks, commodities, and futures; capital investment consultation; cash management; cash replacement rendered by credit card; check cashing; check issuance; check processing; check verification; credit inquiry and consultation; cooperative credit organizations; credit agencies; evaluation of credit bureau data; credit bureaus; credit card services; credit card verification; credit inquiry and consultation; currency exchange and advice; debit card services; electronic fund transfer; electronic payment, namely, electronic processing and transmission of bill payment data; estate trust management; fiscal assessment evaluation; financial exchange; financial forecasting; financial guarantee and surety; financial information in the nature of rates of exchange; financial information provided by electronic means; financial management; financial planning; financial portfolio management; financial research; financial services in the nature of an investment security; financial valuation of personal property and real estate; lease purchase financing; loan financing; financing services; financial guarantee and surety; security services, namely, guaranteeing loans; home equity loans; installment loans; investment of funds for others; mortgage lending; loan financing; home equity loans; installment loans; investment management; real estate management; money order services; mortgaging of securities for others; safety deposit box services;as to BANKERS;INSURANCE COMPANY;