Business Continuity Summary & Disclosure
USI Consulting Group is providing this document to inform you of its ability to remain operational in the face of disruptive events or emergencies. These plans and procedures ensure the safety and integrity of our clients' information and programs. They also describe actions, responsibilities and facilities necessary to continue operations in the event of a disruption.

The extent and timing of a disruption is unpredictable. USI Consulting Group believes that our plans and procedures are reasonable and effective. In general, we expect to remain operational after, or during a disruptive event. We expect to be operational within 24 hours of the initial disruption. It is expected that we will be operating at some level of reduced capacity and capability for the duration of the disruption. We strive to have no impact on critical, time sensitive transactions of our clients or their plan participants. We review our plans periodically as operations change and annually as a matter of operations.

Locations
The USI Consulting Group Business Continuity Plan (i.e. the Plan) address needs of USI Consulting Groups primary business locations:

95 Glastonbury Blvd., Glastonbury, CT
630 Third Avenue., New York, NY
900 South Gay St., Knoxville, TN

Communication
In the event of a business disruption, our clients will be notified via email and /or telephone regarding the extent of the disruption and guidance on interim procedures and contact information. Our web sites, www.usi.biz and www.usicg.com, will carry updates and interim contact information.

Internal and external communications are critical to the guiding of staff and clients on the extent of a disruption and the initiation of recovery steps. The Plan provides contact information and protocols for all staff and clients. The Plan anticipates telephone calls, email, USPS mail, and Special Delivery mail and has prescribed actions to accommodate day-to-day request and communications.

Data Storage
The Plan prescribes back-up and storage procedures for each office. Paper files are archived and retained off-site according to the needs of each office. Archive and retrieval procedures clearly define responsibilities. Indexes and retrieval-request systems are stored redundantly and/or available from the vendor.

Systems and data supporting mission critical operations have been identified. Tape back-ups of this electronic data and these systems are performed daily and regularly stored off-site. Retention of off-site stored tapes conforms to the needs of each office. In many cases, these needs are prescribed by a regulatory body.

In the event of a disaster, the Plan clearly outlines procedures, responsibilities, systems, forms, and contact information for retrieval of files and tapes.

Recovery/Relocation
The primary recovery site for all USI Consulting Group offices is the USI Holdings Conference Center located on the campus of our corporate headquarters in Briarcliff Manor, NY. This facility performs no role or any operational activities for any USI Consulting Group locations. This facility is fully networked with access to all USI locations. On a day-to-day basis, the Conference Center provides typical meeting and lodging functions. It was developed with the expectation that it would serve as a relocation site for other USI offices during a disaster. The Conference Center provides capacity for staff and equipment. It maintains an inventory of computers and telephones for recovery needs.

USI Consulting Group uses the USI Corporate network operated from the Philadelphia, PA and Stockton, CA data centers. Recovery is confined to data and applications. The Conference Center maintains sufficient capacity to recover data and applications as prescribed in the Plan.

USI Consulting Group adheres to all USI Information Technology Policies and Procedures. This ensures no media or format conflicts when recovering from back-ups. Each application for recovery is identified and discrete recovery instructions developed. Sequence instructions and estimated timeframes provided describe the recovery process.

Testing
Testing is a critical facet of the Plan. Individual components and coordinated mock-disruptions are formally tested, and results documented. Certain data recovery and restoration procedures occur during the course of business which further validates recovery capabilities.