The CSO Family of Companies, which includes CSO and its subsidiaries, are engaged in development and servicing of debt cancellation programs. Debt cancellation is a modification by a lender of its loan terms allowing for the cancellation of the loan if certain protected events occur. The lender may extend debt cancellation on all forms of consumer lending, including open-end and closed-end loans. Advantages to a lender include:

• Features, exclusions and fees can be set by the lender

• Program structure, forms and fees can be consistent throughout the lending locations

• Additional revenue potential

Some of the protected events available include:

• Accidental Death/Accidental Disability

• Life Coverage

• Disability Coverage

• Involuntary Unemployment

• Unpaid Family Leave

• Loan Deficiency Waiver (GAP)

CSO works with each account to develop a debt cancellation program which fits their needs. Additionally, CSO's organizational structure is strategically designed to effectively administer these programs. CSO holds key advantages over competitors in the critical area of risk transfer.

Arrangements with authorized carriers have been established to provide CSO's accounts with contractual liability coverage for their program.