EFS Group (Educational Financial Services Group)

<body> </head> <body text="#000000" link="#0000CC" vlink="#0000CC" alink="#0000CC" bgcolor="#FFFFFF" leftmargin="0" topmargin="0"> <table border="0" cellpadding="2" width="100%" cellspacing="0"> <tr> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1338" target="_top"> <img src="/graphics/tsr08021.gif" border="0" width="120" height="50" alt="A Grand New Contribution" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>A Grand New Contribution</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1320" target="_top"> <img src="/graphics/tsr08013.gif" border="0" width="120" height="50" alt="Betting Your Life on Low Coverage" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Betting Your Life on Low Coverage</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1232" target="_top"> <img src="/graphics/tsr07086.gif" border="0" width="120" height="50" alt="Dow Know-How" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Dow Know-How</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1373" target="_top"> <img src="/graphics/tsr08046.gif" border="0" width="120" height="50" alt="What Would Warren Do? " vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>What Would Warren Do? </strong> </font> <br><br> </a> </td> </tr> </table> </td> </tr> </table> <table width="100%" border="0" height="196" cellpadding="0" cellspacing="0" align="center"> <tr> <td align="right" valign="top"> <a href="calculators.cfm" target="_top"> <img src="/graphics/9/T1C1fciconA.gif" height="76" width="86" border="0" align="top"></a></td> <td valign="top" align="left"> <a href="calculators.cfm" target="_top"> <img src="/graphics/9/T1C1fciconB.gif" alt="Calculators" width="215" height="41" border="0" align="top"></a> <p style="font: bold 10pt Arial, Helvetica, sans-serif;">   <a style="text-decoration:none" href="calculators.cfm?ID=129" target="_top"> College Funding</a></p> <p style="font: bold 10pt Arial, Helvetica, sans-serif;">   <a style="text-decoration:none" href="calculators.cfm?ID=136" target="_top"> Cost of Retirement</a></p> <p style="font: bold 10pt Arial, Helvetica, sans-serif;">   <a style="text-decoration:none" href="calculators.cfm?ID=139" target="_top"> Loan Payoff</a></p> <p style="font: bold 10pt Arial, Helvetica, sans-serif;">   <a style="text-decoration:none" href="calculators.cfm" target="_top">More Financial Calculators...</a></p></td> <td align="center" valign="middle"> <table border="0" cellpadding="0" cellspacing="0"><tr> <td width="16" height="16"><img src="/graphics/q1.gif" width="16" height="16"></td> <td height="16"background="/graphics/q2.gif"> <img src="/graphics/q2.gif" width="1" height="16"></td> <td width="24" height="16"><img src="/graphics/q3.gif" width="24" height="16"></td> </tr><tr> <td width="16" background="/graphics/q4.gif"> <img src="/graphics/q4.gif" width="16" height="1"></td> <td align="center" valign="middle"><table bgcolor="#DCDCDC" align="center" border="0" cellpadding="0" cellspacing="0"> <tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <font size="2"><strong>Market Watch</strong></font> - July 24, 2008 @ 02:08 AM<br><br> </font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$INDU" target="mondo"><font color="#000000"><strong>Dow Jones Industrials</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>11,632.38</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 29.88</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$COMPQ" target="mondo"><font color="#000000"><strong>Nasdaq Composite</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,325.88</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 21.92</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$SPX" target="mondo"><font color="#000000"><strong>S&P 500</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,282.19</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 5.19</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="lower"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-1"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td><td width="24" background="/graphics/q5.gif"> <img src="/graphics/q5.gif" width="24" height="1"></td> </tr><tr> <td width="16" height="24"><img src="/graphics/q6.gif" width="16" height="24"></td> <td height="24" background="/graphics/q7.gif"> <img src="/graphics/q7.gif" width="1" height="24"></td> <td width="24" height="24"><img src="/graphics/q8.gif" width="24" height="24"></td> </tr></table> </td> </tr> <tr><td align="center" colspan="3"><font color="#000000" face="Arial, Helvetica, sans-serif" size="-2"><br><br><br><a href="#info">Click here for Important Legal Information</a><br><br><br><bR><br><br><br><br><bR><br><br><br><br><bR><br><br><br><br><bR><br><br><br><br><bR><br><a name="info"><br>CONDITIONS OF USE<br><br>By using this site, you indicate your agreement to the following conditions of use without any limitaion or qualification. Please read these conditions carefully before using this site. EFS Group may at any time revise these terms and conditions by updating these materials. You are bound by any such revisions and should therefore regularly visit this page to review the current terms and conditions to which you are bound.<br><br><br>IMPORTANT CONSUMER INFORMATION<br><br><br>This communication is strictly intended for individuals residing in the state(s) of CA, CO, CT, FL, IA, MI, MN, NE, NJ, NY, SD, TX . No offers may be made or accepted from any resident outside the specific state(s) referenced. <br><br><br>An insurance agent, broker-dealer, registered representative, Investment Advisor, or investment advisor representative may only transact business in a state if appropriately licensed or registered. Follow-up, individualized responses to persons in a state by such a firm or individual will not be made without first complying with appropriate licensing or registration requirements.<br><br><br>For information concerning licensing status or disciplinary history, consumers should contact their state insurance department or securities law administrator.<br><br><br>JURISDICTIONAL ISSUES<br><br><br>This website is controlled and operated by EFS Group from it's offices within the state of IA, United States of America. EFS Group makes no representation that materials on www.efsgroupllc.com are appropriate or available for use in any other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.<br><br><br>EFS Group offers insurance and related products. EFS Group does not offer securities and does not provide investment advice. Securities are offered and investment advice is provided through <B>1717 Capital Management Company</B>, PO Box 15626, Wilmington, DE 19850 (302) 453-3800, A Registered Investment Advisor, Member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>.<br><br><br>NOT AN OFFER TO SELL OR A SOLICITATION TO BUY<br><br><br>The information contained on this website is not an offer to sell or a solicitation to buy any security or insurance product. No security or insurance product is offered or will be sold in any jurisdiction in which such an offer or solicitation, purchase or sale would be unlawful under the insurance, securities or other laws of the jurisdiction. Some insurance and securities products (or their underlying funds) may not be available in all jurisdictions and are generally not available for purchase outside of the United States of America. In addition, any mutual funds or variable insurance products or variable annuity contracts referred to on this website may be offered and sold only to persons in the United States of America. These products are distributed by <B>1717 Capital Management Company</B>, whose principal business address is Christina Executive Campus, PO Box 15626, Wilmington, Delaware 19850.<br><br><br>DISCLAIMER<br><br><br>The materials on this website, www.efsgroupllc.com, are provided "AS IS" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. EFS Group does not warrant the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. EFS Group does not warrant or make any representations regarding the use or results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not EFS Group) assume the entire cost of all neccesary servicing, repair, or correction. Links to other sites can be accessed through this site. Such External Internet addresses contain information created, published, maintained or otherwise posted by organizations independent and not under control of EFS Group. EFS Group does not endorse, approve or certify any information, product or service referenced or provided at such addresses. The material on this website is provided for informational purposes only and it is not intended and should not be construed as legal, tax or other professional advice. It is not a substitute for obtaining legal, tax or other professional advice from a competent, independent advisor in your jurisdiction.<br><br><br>LIMITATION OF LIABILITY<br><br><br>While EFS Group uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. EFS Group makes no warranties or representations as to the accuracy of the materials on this website. Under no circumstances, including, but not limited to, negligence by act or omission, shall EFS Group or any party involved in creating, producing, or delivering this website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if EFS Group or a EFS Group authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall EFS Group total liability to you for all damages, losses and causes of action exceed the amount paid by you for accessing thsi website. EFS Group assumes no responsibility and shall not be liable for any damages to, or viruses that may infect your computer equipment or other property on account of your access to, use of, or browsing in this website or downloading of any materials, data, text, images, video, or audio from this website.<br><br><br>RESTRICTIONS ON USE OF MATERIALS<br><br><br>This site is owned and operated by EFS Group. Permission is granted to display and navigate around this website with a computer using HTML browser software, solely for personal non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited. Except as otherwise permitted by EFS Group, no materials from www.efsgroupllc.com or any other website owned, operated, licensed or controlled by EFS Group may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text,images, audio and video, without EFS Group's written permission. EFS Group neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned or affiliated with EFS Group.<br><br><br>TRADESMARKS/SERVICE MARKS AND COPYRIGHTS<br><br><br>Images displayed on this website are either property of, or used with permission by, EFS Group. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statues. All trademarks, service marks, trade names, logos and icons used by EFS Group or any EFS Group affiliated company are proprietary to EFS Group. Nothing contained on this website should be constructed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this website without written permission of EFS Group or such third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Inquiries concerning use of EFS Group trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be address to EFS Group, Terra Centre 600 4th Street Suite 312, Sioux City Iowa 51101, United States of America. Any communications or material you transmit on this website by electronic mail or otherwise, including data, questions, comments, or suggestions, will not be treated as confidential nor as proprietary and will become property of EFS Group or it's affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Futhermore, EFS Group is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing, and marketing products using such information.<br><br><br>TRADEMARK/SERVICE MARK NOTICES<br><br><br>All trademarks, service marks, trade names and logos used by EFS Group or its subsidaries are registered trademarks or service marks of EFS Group. We are very protective of our trademarks and service marks. All use of these marks must be with our permission. We will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, we may be entitled to collect your profits, our actual damages and, perhaps, even our attorneys' fees. We thank you for your cooperation.<br><br><br>PRIVACY AND CONFIDENTIALITY<br><br><br>EFS group shall exercise reasonable precautions to maintain the confidentiality of all information provided by you in connection with accesing this site. Because such information can be accessed through the Internet, no assurances can be given to you that this information will remain secure. EFS group may, at times, disclose such information to it's employees, representatives, officers, agents or affiliates, as well as any government entity, in the conduct of its business, in order to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to any government agency or offical requesting such information, or for any other legitimate business purpose. This site does not collect personally identifying information about individuals except when specifically and knowingly provided by such individuals.<br> <br></font></td></tr></table> <table width="100%" align="center" border="0" cellpadding="4" cellspacing="0"><tr><td align="center"> <div align="center"><font face="Arial, Helvetica, sans-serif"><font size="2"><br>[ <a style="text-decoration:none" href="research.cfm" target="_top">Articles</a> | <a style="text-decoration:none" href="calculators.cfm" target="_top">Calculators</a> | <a style="text-decoration:none" href="newsletters.cfm" target="_top">Newsletters</a> | <a style="text-decoration:none" href="quotes.cfm" target="mondo">Quotes</a> | <a href="https://www.emeraldsecure.com/contact_form.cfm?SSLID=551&SN=224907245" onclick="javascript:infobox('https://www.emeraldsecure.com/contact_form.cfm?SSLID=551&SN=224907245','680','550'); return false;" target="_blank" style="text-decoration:none">Contact Us</a> ] </font></td></tr> <tr><td align="center"><font face="Arial, Helvetica, sans-serif" size="1"> <a style="text-decoration:none" href="copyright.html" onclick="javascript:infobox('copyright.html','400','335'); return false;" target="_blank"> Copyright 2008 by Emerald Publications.</a><br> <p align="center"><font face="Arial, Helvetica, sans-serif" size="-1"><a href="privacy.cfm" onclick="javascript:infobox('privacy.cfm','600','400'); return false;" target="_blank">Privacy Policy</a></font></p> </font></td></tr></table></div></body></html>