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SERVICES

1. OFAC Compliance Program (with COS/NOS optional)
MIS can provide you with OFAC compliance. In addition, for a minor extra fee, we will also advise you of any notices of seizure (NOS (DEA, FBI, USPS, Secret Service)). We will also notify you if any of your accounts are held by customers who are heads of state (COS), or have other politically sensitive positions. We will advise you if any accounts that you had submitted to us previously get added to our OFAC/NOS/COS database in the future. This provides full coverage on FINCEN 314(a) inquiries.

2. CIP Via Authentication Solutions Level 1
Experian, through MIS, will provide you with reliable identity verification/fraud detection. Authentication is done with verification of the domestic individual's name, address, telephone number, and social security number. Authentication Solutions Level 1 (for individuals) is one of the most accurate and comprehensive verification tools. Authentication Solutions Level 1 for Business (for institutional investors) does similar verification based on name, address and phone number. These products should be a major component of your USA PATRIOT Act compliance program. Scoring is included in Authentication Solutions Level 1 (individuals only).

3. MIS Check
MIS will compare your new accounts with our negative database. We report back to you on the same day with any information on those accounts which require further examination. We will maintain your inquiries and report back to you if any new negative information occurs. There is no surcharge for subsequent reporting or record retention. OFAC/NOS/COS (with FINCEN 314(a) inquiries) is included with this service.

4. Employee Surveillance Program (ESP)
ESP can provide you with a valuable tool in assuring your compliance departments that both your organization and your covered employees are in full compliance with NYSE Rule 342.21 and NASD conduct Rule 3050. ESP, in conjunction with MIS, can provide you with greater comfort that you are receiving all duplicate copies of statements for all accounts that your employees have, or had during the past seven years. The cost (in both fines and penalties, along with bad publicity) of insider trading violations and front running makes the minimal cost of ESP a very cost effective investment.

5. Fraudwise (through ESP)
Employee background checking. Can include the following checks:

Credit Reports
    Social Security Number Verification
    Credit Record

Criminal Records
    Federal Records
    Statewide Criminal Records
    County Criminal Records
    Driving Records

Verifications
    Education
    References
    Prior Employers Survey
    Certifications / Affiliations