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dgin :

We at DGI have identified challenges in the Premium Financed Life Insurance
transaction and have developed two products which address these issues.

Our Interest Rate Management Account "IRMA" and Interest Rate Optimization Strategy
"IROS" products seek to target these two gaps. Firstly, our IRMA product provides for a
rate lock which can potentially mitigate the impact of unforeseen interest rate movements.

The IROS product looks to "optimize" the loan by generating income to offset the
accumulating interest; by doing so this can potentially help to even reduce the amount of
required collateral the client must post and the length of time it needs to be posted.

We see our two products as indispensable requirements for the vast majority of premium
finance cases to maintain their longevity and stability in the current market place whether
interest rates are low, rising or falling.

DGI analysis estimates that there is in excess of $40 Billion in new insurance premium
financed per year not including existing loans already originated in the market that could
potentially utilize our IRMA and IROS strategies.

The flexibility of implementation for either of our products allows us to work with newly
originated loans or to backfill into existing loans.