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EBS is a marketing, consulting and service firm that specializes in the placement of Bank Owned Life Insurance (BOLI) programs. These programs utilize BOLI to finance existing employee benefits, as well as to informally fund new or existing nonqualified executive benefit plans. EBS provides its clients with access to the highest rated carriers in the BOLI arena, and its members, who are also Financial Representatives of the Northwestern Mutual Financial Network, have exclusive distribution rights of Northwestern Mutual products. As Registered Representatives of Northwestern Mutual Investment Services, LLC (NMIS), EBS members also have access to scalable product solutions offered by AEGON, Great-West Life, Hartford, MassMutual, MetLife, Prudential and Sun Life.

All of the insurance carriers represented by EBS have entrusted the firm with the responsibility for providing the comprehensive implementation services and ongoing administration required to support a BOLI program. This includes assistance with regulatory due diligence, analysis of census data, product selection, monthly reporting, periodic credit reviews of the insurance carriers, death claims processing, updates on BOLI legislative issues, and more.

EBS provides its comprehensive services through a team of qualified professionals with vast experience in insurance and public accounting. Each client has a specific service team that is supported by extensive back office support. Professional designations held include CPA, JD, CLU, MSFS, MBA, CFP, ChFC and others. There are seven offices located throughout the country, including the EBS headquarters in Birmingham, Alabama, to ensure coordinated service delivery. Since EBS members are also Northwestern Mutual representatives, they are supported by insurance attorneys, actuaries, and advanced underwriters through our relationship with the Northwestern Mutual Financial Network.

Over the past nine years, EBS and its partners have implemented well over 200 BOLI transactions in thirty-one different states. These transactions have resulted in purchases of billions of dollars of BOLI placed with highly rated carriers offering institutional pricing. Our products are built on sound economic foundations and are conservatively structured from a tax perspective. EBS has 100% client retention. We welcome interested parties to contact our references regarding our services, product performance and regulatory compliance.