Bottomline return is what major banks seek with Investment BOLI.

In investment BOLI, clients gain:

• Wide choice in bank-eligible investment options
• Potential for higher net returns with low volatility multi-strategy portable alpha*
• Competitive pricing from prominent insurance carriers
• Options for mortality structure
• Extensive "representations and warranties"

Low Credit Risks

Low credit risk is an essential underpinning of Investment BOLI. For instance, Separate Account products provide protection against general creditors; the highly rated insurer mitigates death credit risk; the stable value provider is always AA-rated; and, there is a low risk weight on the funds.

As part of Clark Consulting's services to BOLI clients, we also offer:

• Thorough analysis and advisory consulting on investment options
• Asset/liability expertise for insurance and other assets
• Monitoring of regulatory compliance guidelines in line with client investment philosophy
• Continuous monitoring of developments within insurance companies by staff actuaries

Drawing on Tier One capital assets to build their Investment BOLI portfolios, the banking community can purchase products through our long-standing relationships with the most prominent carriers in the BOLI marketplace. In addition, Clark works closely with the largest and most innovative investment management firms on Wall Street.