Stratico was formed as a wholly owned subsidiary of Stratum in 2009 with
the objective of gaining more control over the insurance function and moderating
expenses. Stratico is a South Carolina domiciled insurance company organized to provide
insurance coverages for Stratum Shareholders and clients.

The plan for Stratico is to act as a reinsurer for group long-term disability and life
insurance coverages.

For additional information regarding Stratico please contact Robert W. Mulcahey
at 1-800-771-6694.