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Deferral.com Online Services Selected by Retirement Capital Group For New ISOP® Plan Program

September 22, 2003 --Retirement Capital Group (RCG) has selected Deferral.com, an AFS Company,™ to provide online support for sales, record keeping and plan administration services for RCG's Insured Security Option Plan® (ISOP). Deferral.com, in cooperation with its affiliate COLI.com, has developed a site specifically designed to support sales, plan implementation, and ongoing record keeping and administration services for ISOP plans. The site --ISOP.Deferral.com --will be launched in late September and will be available exclusively for RCG Member Firms and their clients.

"Building a site specifically designed to support RCG's innovative ISOP plan was a natural extension of our online supplemental benefit plan systems and services," said Dan Johnson, chairman of the Deferral.com and COLI.com parent company, AFS Worldwide Holdings, Inc.

"Deferral.com's online system and administrative staff, coupled with AFS Companies' long-standing reputation as a premier technology provider for supplemental benefits, offered an ideal solution for our new ISOP program," said William L. MacDonald, Chairman/CEO of RCG.

Retirement Capital Group, Inc. (www.retirementcapital.com) RCG helps individuals and corporations decipher the ins and outs of tax laws, investment strategies, pensions, government regulations, and more. Through a consultative six-step process, RCG's Total Retirement Solution offers a variety of individual and corporate retirement solutions. RCG's process-driven approach to retirement plan design, funding, implementation and communication, and administration and monitoring assures that individuals, and corporations on the behalf of their employees, achieve their projected goals for retirement.

Deferral.com (www.deferral.com) is a complete online administration service providing support and real time access, daily values and online enrollment for supplemental benefit plans with custom vesting, non-traditional investments and multiple accounts. Its affiliate, COLI.com, is an online platform for the design and illustration of supplemental benefit plans funded by corporate owned life insurance (COLI). Both Deferral.com and COLI.com are members of The AFS Companies™ (www.afs-link.com), experienced technology and service providers to the nonqualified and supplemental benefits industry since 1984.

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