1. We will REDUCE the cost and effects of insurance personnel turnover and backlog by providing qualified, professional men and women WHO GET THE WORK DONE WHILE AUDITIONING FOR REGULAR EMPLOYMENT.

2. We will EXHAUSTIVELY PRESCREEN and test personnel for knowledge, skill, integrity and reliability.

3. We will maintain full service LOCAL OFFICES staffed by career COMPANY-TRAINED INSURANCE PERSONNEL with years of experience in the local insurance community.

4. We will NEVER RECRUIT for our temporary personnel work force OUT OF INSURANCE DEPARTMENTS even if requested to do so by the personnel.

5. We will price our temporary services BELOW the total costs of the equivalent staff positions and reduce hiring fees to a MERE FRACTION OF EMPLOYMENT AGENCY FEES.

6. Insurance Overload Systems will operate INDEPENDENTLY OF CLAIMS ADJUSTING OR INVESTIGATING COMPANIES and avoid even the appearance that we, or our temporary personnel, have an interest in who is selected for outside claim assignments.

7. We will provide our clients with FULL INSURANCE COVERAGE and protect them from temporary employers' TAX LIABILITIES OF GROSS PAYROLL.

8. We will spare no effort or cost to assure that every insurance department has available THE AFFORDABLE SERVICES OF QUALIFIED PROFESSIONALS TO GET THE JOB DONE.

No service, handling temporary insurance personnel, goes as far, puts out more effort, has more dedicated people, and gets better results than Insurance Overload Systems. None can match our quality control techniques, our ethical standards and our commitment.

The personnel of the insurance industry have come to appreciate the high quality of employment opportunities of Insurance Overload Systems. Over 7,000 insurance employees go on the payroll of IOS each year. Over 800 candidates of IOS are hired by insurance employers per year. With a staff of 160 career insurance professionals, IOS goes more extra miles in the insurance job market and has better, more useful benefits, than anyone else in the field.

IOS is a corporate culture of insurance industry people who have dedicated themselves to serving the insurance industry through the providing of quality personnel services. As insurance people ourselves, we apply our insurance education and work experience to the objective of bringing other insurance workers together with compatible jobs for insurance employers. Our goal is to provide the insurance industry with expertise in insurance human capital resources that cannot be found in standard office help staffing agencies, and provide a positive impact on the insurance community.

To accomplish the goals of our corporate culture, IOS has established the highest standards for interviewing, testing, screening and placing of personnel in insurance occupations that can be found anywhere in the staffing business. It is audited twice annually under the Quality Screening Verification (QSV) system.

To ensure the accomplishment of these goals, IOS has made it a part of our culture to go to every length and make every possible investment in the development of insurance-experienced job candidates for both direct placements and temporary jobs. Our candidates are our bread and butter. They are our fellow insurance professionals who deserve top pay and every possible benefit we can create. We believe that the quality of insurance is in the quality of insurance personnel.

The conduct of IOS business has to be carried out by the very best of insurance personnel, our own IOS staff members. For their insurance expertise, we seek to maintain an accommodating and truly desirable work environment. The IOS staff members are themselves the nucleus of the corporate culture.

At the core of the IOS culture is the standard of ethics that governs IOS business conduct. It is embodied in Our Eight Commitments drafted by IOS over 12 years ago to serve as a beacon for ethical conduct in insurance personnel. Those ethical standards were amplified and enlarged when IOS implemented its Quality Screening Verification (QSV) system which incorporated very strong support for the ethical conduct of our staffing business.

IOS draws its livelihood from the insurance industry by providing quality personnel services under the highest of standards through investing in insurance people and maintaining a strong commitment to business ethics.

Insurance Overload Systems brings professionalism to the recruiting and placing of experienced personnel in claims, underwriting, customer service, clerical, and all other occupations within the insurance industry. IOS is the most experienced full service agency in North America capable of dealing in the technical and support skill sets for:

• Property and Casualty
  
• Workers' Compensation
  
• HMO, PPO, IPO and other Managed Care lines
  
• Individual and Group Health, Dental & Vision
  
• Life and Disability
  

HEALTH INSURANCE - Group insurance, partially paid by IOS, including medical PPO or HMO, dental, vision, life and AD&D are elective for employees and dependents. In addition, Section 125 advantages which allow employee premiums to be pre-tax, which enhances net after tax income.

DOWNTIME PAY - Payroll is continued for sick time, holidays, and lapses between jobs. Eligibility is accrued at a rate of 12 days per year.

FREQUENT FLYER PROGRAM - Every full workweek put in on a job earns 500 frequent flyer miles on American, United, Delta and Northwest airlines.

BONUSES - Referral bonuses, frequent hours bonuses and special recognition bonuses are paid under varying circumstances.

CREDIT UNION - Immediate membership available in credit union which allows lifetime membership with savings and loan features.

401k PLAN - A pre-tax retirement savings plan with rollovers accepted from plans of prior employers. Up to 20% of gross pay can be tax - deferred.