Knowledge Center - Risk Advisory

Jefferson Wells Launches Financial Services Industry Compliance Update

Mon, 07 Feb 2011 09:19:16 GMT

February 1, 2011 - This communication is designed to provide you with quick snapshots and perspective on timely regulatory developments. First issue highlights changes under Dodd-Frank Act, SAFE Act and FCRA.

IFRS Podcast

Mon, 06 Dec 2010 15:50:02 GMT

Posted: October 29, 2009
An Update on the SEC's Road Map

Mergers and Acquisitions Podcast

Mon, 06 Dec 2010 15:32:04 GMT

Posted: April 13, 2010
During times of economic uncertainty, it’s important to realize every dollar of value in your M&A transaction.

Transfer Pricing Podcast

Mon, 06 Dec 2010 15:23:33 GMT

Posted: May 25, 2010
Many multistate income taxpayers often use intercompany transactions in connection with their state income tax planning. Because combined or consolidated returns usually eliminate intercompany transactions, those filings generally nullify the tax benefits.

Contract and Compliance Q&A Podcast

Mon, 29 Nov 2010 10:31:16 GMT

Posted: October 27, 2010
Our recent Webcast generated a robust response and many questions from Webcast participants, so we created a special podcast Q&A as follow-up to the presentation. Be sure to download this special Q&A session; Seven Key Questions about Indirect Procurement.

Internal Audit's Move to Value Creation Q&A Podcast

Wed, 27 Oct 2010 09:01:32 GMT

Posted: July 14, 2010
Our Webcast generated a robust response and so many questions from Webcast participants that we created a special podcast Q&A as follow-up to the presentation. Be sure to download this special Q&A session; Shifting Course - Internal Audit's Move to Value Creation.

Managing Strategic Risks

Tue, 05 Oct 2010 16:54:40 GMT

A New Paradigm for Managing Strategic Risks in an Economic Recovery
The economic downturn of the past two years has profoundly affected the expectations of shareholders, regulators, legislators and other interested third parties, especially regarding how companies assess, manage and monitor risk.

Business Continuity Management Services

Thu, 16 Sep 2010 09:50:12 GMT

Business Continuity Management is a four-phase modular approach designed to reduce the risk of unplanned interruptions to both manual and automated key business functions, minimizing the impact of unplanned interruptions and ensuring the continuity of critical business services.

Jefferson Wells Announces Global Director of Information Security Center of Expertise

Fri, 27 Aug 2010 08:20:43 GMT

August 19, 2010 – Jefferson Wells, a global provider of risk advisory, tax, and finance and accounting-related services, announced that Debra Banning has joined Jefferson Wells as global director of the Information Security Center of Expertise. In this role, Banning will provide the strategic direction as well as lead the day-to-day operations of the Information Security Center of Expertise. She will be based out of the firm’s Washington, DC market.

Fraud: Is Your Organization at Risk?

Fri, 13 Aug 2010 13:35:14 GMT

Passage of the Sarbanes-Oxley Act (SOX) caused more and more companies, public and private, to assess their vulnerability to fraud and abuse. Section 404(a) of the Act requires management of public companies to assess and report on its internal financial reporting controls, largely to ensure...

President Signs Financial Regulatory Reform Bill into Law

Mon, 26 Jul 2010 09:26:04 GMT

This wide-ranging legislation will impact financial firms and non-financial organizations.

Financial Institutions that Fail: An Industry Report Update

Wed, 30 Jun 2010 10:03:04 GMT

Uncertainty continues to hang over Wall Street and Main Street. Size limits on the country’s largest financial institutions, statutory leverage ratios, the establishment of the Consumer Financial Protection Agency — all are clear indicators the overall health of the U.S. financial services industry represents a national economic concern.

Business System Services - Center of Expertise

Wed, 30 Jun 2010 09:58:50 GMT

Implementing, upgrading and improving an organization’s technology can be challenging, risky and very expensive. But it doesn’t have to be. Done right, it can transform your business — align the business processes with business strategy, embed a continuous process improvement environment, and incorporate a change management philosophy and culture that will help your organization adapt to rapidly changing business conditions.

Shifting Course - Internal Audit Moves to Value Creation

Wed, 16 Jun 2010 15:57:04 GMT

Traditionally, the internal audit function focused on preserving the integrity of an organization’s assets and ensuring compliance with a growing number of regulations. Over the years, internal audit has evolved from being focused on preservation and compliance to a valuecreation trajectory. Its evolution to value creation began in the form of operational and performance auditing, reviewing and evaluating whether the organization’s resources were being used efficiently and effectively to fulfill its objectives.

Jefferson Wells Expands into Mexico, Central America and the Caribbean

Mon, 07 Jun 2010 16:49:47 GMT

June 7, 2010 – Jefferson Wells, a global provider of risk advisory, tax, and finance and accounting-related services, today announced it has established an alliance with Baker Tilly Mexico, an independent member of the international accounting and consultancy network, Baker Tilly International. The alliance agreement, completed on March 1, 2010, marks Jefferson Wells’ fifth expansion in twelve months and is its first into Mexico, Central America and the Caribbean.

COSO Quick Reference Guide II

Thu, 03 Jun 2010 14:14:37 GMT

In July 2006, the Committee on Sponsoring Organizations (COSO) released its final guidance to assist smaller public companies in implementing the 1992 COSO Internal Control Integrated Framework. After considering comment letters regarding the

Mining Literature

Mon, 10 May 2010 12:55:20 GMT

When you work with Jefferson Wells, you work with mining industry experts who bring significant practical, hands-on experience to each engagement. Mining and mining-related companies around the globe come to us for assistance in adopting best practices and achieving their most important business objectives.

Microsoft SQL Server 2008 Features Support HIPAA Compliance

Mon, 10 May 2010 12:53:00 GMT

Legislation relative to many types of industry compliance requirements continues to evolve, expanding in scope, impact and implications worldwide. Healthcare organizations in particular must be diligent sentinels to avoid compliance infractions, data loss, and security breaches that may lead to unnecessary costs, penalties and loss of consumer trust.

Internal Control Optimization Literature

Mon, 10 May 2010 12:49:39 GMT

What are you doing to optimize your internal control environment?
One of the most significant challenges for companies is integrating internal control compliance into a repeatable and sustainable element of daily operations. A primary goal is for an organization’s cumulative efforts and processes to result in compliance rather than the organization establishing processes solely for compliance.

Internal Control Optimization - Financial Services Company

Wed, 05 May 2010 09:47:47 GMT

Client: A $2 billion global insurer and financial services provider to cooperatives and credit unions.

Sustaining Internal Control Compliance Client Success Story - Financial Services Company

Wed, 05 May 2010 09:41:20 GMT

Client: A global leader in personal and commercial financial services operating in more than 40 markets around the world

Regulatory Compliance Client Success Story - Insurance Company

Wed, 05 May 2010 09:40:01 GMT

Client: A Wisconsin-based insurance company operating in 18 states with over $15 billion in assets.

Business System Services

Wed, 21 Apr 2010 10:02:18 GMT

Today’s competitive market conditions demand that you deploy your business systems more efficiently and cost effectively than ever. Implementing, upgrading and improving an organization’s technology can be challenging, risky and very expensive. But it doesn’t have to be.

Jefferson Wells Expands Forensic and Investigative Accounting Services

Thu, 25 Mar 2010 12:49:23 GMT

March 25, 2010 – Jefferson Wells, a global provider of risk advisory, tax, and finance and accounting-related services, today announced it has established an alliance with Sawyer & Company, a specialist forensic and investigative accounting firm. The alliance agreement was completed on March 1, 2010.

New RESPA Regulations Take Effect

Fri, 19 Mar 2010 15:27:29 GMT

February 3, 2010 ― The Real Estate Settlement Procedures Act (RESPA), as implemented by Regulation X, was passed by the U.S. Congress in 1974. The legislation was designed to prohibit the use of kickbacks between lenders and third parties in real estate transactions, which had been inflating the overall cost of those transactions.

Market Caps Tumble, but Audits Remain Costly

Fri, 19 Mar 2010 15:25:58 GMT

Smaller public companies with tumbling market capitalizations in 2008 may be able to enjoy a year of reprieve from an internal control audit—but that doesn’t mean they should expect a break in the audit bill.

Construction Audit Services Client Success Story - Education

Fri, 19 Mar 2010 15:16:36 GMT

Client: A large suburban independent school district with an enrollment of over 24,000 students.

Construction Audit Services Client Success Story - Education

Fri, 19 Mar 2010 15:15:23 GMT

Client: A private, co-educational university that is among the world’s leading educational and research institutions with registration of more than 20,000 students.

U.S. ‘red flag’ rules could affect Canadian banks

Fri, 19 Mar 2010 14:05:45 GMT

A new regulation requiring banks and creditors to identify potential consumer identity theft is scheduled to take effect in the United States on Nov. 1, but at least one industry expert said Canada could also experience the spillover effects.

The Anti-Fraud Imperative: Fraud Risk Management is No Longer Optional

Fri, 19 Mar 2010 13:46:59 GMT

When organizations are under duress, the pressure on management to perform provides an incentive not only for “right sizing” and cost controls but also for fraud-ulent activity. It should be, therefore, no surprise the number and size of corporate frauds are increasing — and that many investors are losing confidence in the credibility of financial statements.

The 10 Hallmarks of a Premiere Internal Audit Function

Fri, 19 Mar 2010 13:44:03 GMT

Members of the Institute of Internal Auditors (IIA) and Certified Internal Auditors must follow the standards listed below. These standards and other guidance comprise the Professional Practices Framework – recognized around the globe.

Taming the elephant: A sensible approach to enterprise risk management

Fri, 19 Mar 2010 13:28:43 GMT

The best way to eat the elephant standing in your path is to cut it up into little pieces. – African Proverb. For those responsible for governance, risk and compliance, enterprise risk management (ERM) may be the woolly mammoth of elephants. ERM has become a top priority for executives who realize...

Small companies also can benefit from Sarbanes-Oxley

Fri, 19 Mar 2010 13:01:46 GMT

If you listened carefully, you could almost hear the collective sigh of relief from 5,000 smaller public companies when Securities and Exchange Commission (SEC) Chairman Christopher Cox proposed yet another extension to the...

Security Control Threats in Tight IT Budgets

Fri, 19 Mar 2010 12:58:41 GMT

For all the improvements companies have made to their IT security and control systems in the last five years, one menace still looms large these days ...

Satyam Scandal Raises Questions on Vendors

Fri, 19 Mar 2010 12:38:04 GMT

While authorities in India work to unravel a $1 billion fraud scheme at Satyam Computer Services, its U.S. customers would be wise to do some digging into their own books ...

Sarbanes-Oxley for Non-Accelerated Filers Methodology Overview

Fri, 19 Mar 2010 12:30:13 GMT

A four phase Sarbanes-Oxley for Non-Accelerated Filers Methodology Overview

Regulatory Review of the HITECH Act Provision

Fri, 19 Mar 2010 12:21:42 GMT

April 2009 - The new Health Information Technology for Economic and Clinical Health Act (HITECH Act) contained within the American Recovery and Reinvestment Act of 2009 (the Recovery Act) and signed into law on February 17, 2009, sets new standards ...

Quality Assessment Review Literature

Fri, 19 Mar 2010 12:17:57 GMT

Internal audit has never been more complex. Often, practical recommendations are needed to elevate the overall efficiency and effectiveness of the internal audit function, and enhance...

Putting IT Governance Into Action

Fri, 19 Mar 2010 12:14:14 GMT

As internal control experts, auditors can help turn desired IT strategies into...

North American Overview

Fri, 19 Mar 2010 11:55:22 GMT

Jefferson Wells was founded in 1995 as an alternative to public accounting firms for internal audit services. Over the years, we expanded our expertise to include finance and accounting services, tax services and technology risk management.

New Global Risk Advisory Practice Launched at Jefferson Wells

Fri, 19 Mar 2010 11:52:57 GMT

MILWAUKEE – August 11, 2009 – Jefferson Wells, a global provider of risk, tax, and finance and accounting-related services, today announced the launch of a new global practice to assist clients in comprehensively addressing risk management issues.

MasterCard Reverses Position on PCI Requirements

Fri, 19 Mar 2010 11:42:37 GMT

January 26, 2010 — MasterCard announced a reversal of its previous decision to increase PCI validation requirements for merchants. In response to a letter from the Institute of Internal Auditors (IIA), MasterCard announced that, as of December 15, 2009, there are additional changes to its Site Data Protection (SDP) Program, the program governing compliance with the Payment Card Industry Data Security Standard (PCI DSS) for merchants and service providers.

Loan Review and Credit Quality Assessment Literature

Fri, 19 Mar 2010 11:40:40 GMT

What are Loan Review and Credit Quality Assessment Services? Jefferson Wells’ Loan Review and Credit Quality Assessment services provide an independent review to assess a financial institution’s adherence...

Keeping Out Hackers While Allowing Access to Insiders

Fri, 19 Mar 2010 11:38:25 GMT

Keeping proprietary information safe within your company is an issue of increasing significance as incidences of identity and data theft continue to rise.

Keeping cash “king” in a down economy

Fri, 19 Mar 2010 11:36:45 GMT

July 2008 – Working capital is a primary indicator of a company’s financial health. In a credit-dependent industry, such as construction, many profitable companies...

Jefferson Wells Overview

Fri, 19 Mar 2010 11:14:50 GMT

Internal Audit: From Corporate Policeman to Strategic Partner in GRC Success

Fri, 19 Mar 2010 10:33:30 GMT

With the global credit market collapse came subsequent declines in employment levels, oil prices, consumer confidence and housing prices. Financial markets in crisis. Shareholders and executive management alike asked, what happened? Why did traditional risk management practices seemingly fail?

Information Technology Strategic Initiatives

Fri, 19 Mar 2010 10:30:54 GMT

Today, exposure to legal, regulatory and compliance risks is an every day occurrence. Coupled with the current economic, regulatory and social climate, these risks have propelled corporate governance, compliance management and integrity to a top priority.

Information Security - Protection You can Depend On

Fri, 19 Mar 2010 10:27:28 GMT

Budgets are tight. Resources are stretched. Yet, no organization can afford to have its information security breached. Any breach can potentially destroy the confidence of customers, investors and employees.

Identity Theft “Red Flags” Rules

Fri, 19 Mar 2010 09:59:29 GMT

Sarbanes-Oxley. PCI-DSS. You may have met these compliance challenges, but are you prepared to tackle the Identity Theft “Red Flags” Rules of the Fair and Accurate Credit Transaction Act?

HUD Finalizes RESPA Amendments

Fri, 19 Mar 2010 09:56:24 GMT

November 2008 – The U.S. Department of Housing and Urban Development (HUD) published its final amendments to the Real Estate Settlement Procedures Act (RESPA).

Global Sourcing Forum Report: Industry Leaders Meet to Share Perspectives

Fri, 19 Mar 2010 09:44:07 GMT

In February 2008, a group of 25 risk, internal audit and finance executives representing multinational retailing organizations participated in a Global Sourcing Forum sponsored by Jefferson Wells and Lowe’s. The forum featured discussions on emerging issues in global sourcing.

Enterprise Risk Management Literature

Fri, 19 Mar 2010 09:15:22 GMT

In today’s warp-speed business environment, opportunities can vanish and threats materialize overnight. To remain viable, companies must be able to identify, assess and respond to a myriad of challenges, real time. Risk management must become ingrained as a way of thinking across the organization.

Does Your Construction Project Have Adequate Controls?

Fri, 19 Mar 2010 09:11:40 GMT

As construction in the gaming industry continues to increase, learn how internal auditors can help combat fraud throughout the project — from awarding contracts to project closeout.

Details on TARP Announced

Fri, 19 Mar 2010 09:07:14 GMT

February 2009 - The U.S. Treasury and federal banking regulators announced details of economic assessments that will begin as part of the Capital Assistance Program (CAP) under the Treasury’s Troubled Asset Relief Program (TARP).

Contract Compliance and Cost Recovery

Fri, 19 Mar 2010 08:58:01 GMT

Tired of negotiating contract savings, but not realizing them? You are not alone. In today’s global market-place, organizations are challenged to reduce costs by negotiating harder, buying smarter and leveraging every possible advantage to increase the bottom line.

Construction Services - Protecting Your Financial Interests

Fri, 19 Mar 2010 08:52:28 GMT

Construction projects are typically among the largest, most complex financial expenditures companies undertake. It’s important that you, as an owner or lending institution, have adequate internal controls in place during the project life cycle for your specific type of construction contract.

Construction Project Life Cycle

Fri, 19 Mar 2010 08:50:04 GMT

Construction Project Life Cycle showing Cost Segregation and Construction Audit Timelines

Construction Audit Services Literature

Fri, 19 Mar 2010 08:46:34 GMT

Construction projects are major opportunities, but the risks are significant, too. Although these projects rank among organizations’ largest, most complex financial expenditures, too often, financial and management controls are lacking. Partnering with experts to help you plan and manage the project’s financial aspects can make the difference between extensive cost overruns and a project...

Construction Audit Services Client Success Story - Hospital

Fri, 19 Mar 2010 08:38:43 GMT

Client: A large hospital in Kansas City.

Business Continuity Planning - Health Management Technology

Thu, 18 Mar 2010 14:06:17 GMT

The development and management of a robust business continuity plan (BCP) for a healthcare organization can be a daunting task. Keeping clinical operations open 24/7 and providing safe and secure facilities is not where business continuity ends. Periodic training of business departments throughout the organization on BCP-related activities is a...

IT Department Worst Nightmare

Thu, 18 Mar 2010 13:57:06 GMT

Company policies on using hardware, software and the Internet are becoming increasingly strict as employers attempt to protect confidential intellectual property. Employees may view the Internet, laptops and other mobile devices as efficient and convenient tools, but IT managers see them as windows to the world outside the company’s protected walls.

Blackberry Exploit

Wed, 10 Mar 2010 12:45:16 GMT

Recently, an attack was identified that provides outsiders with direct access to corporate systems and network data through a linked Blackberry or other personal digital assistant (PDA), bypassing all implemented external access barriers.

Are You Vulnerable to Fraud?

Wed, 10 Mar 2010 12:20:12 GMT

The Sarbanes-Oxley Act (SOX) requires a company to establish antifraud programs and controls to prevent, deter and detect fraudulent activities that could result in material misstatements to its financial statements and to have a risk assessment process in place. According to the Public Company Accounting Oversight Board’s (PCAOB) Auditing Standard No. 5, when planning and performing the...

ALLL Methodology

Tue, 09 Mar 2010 14:57:00 GMT

These days, financial institutions’ allowances for loan and lease losses (ALLL) adequacy and their ALLL methodologies are the focus of significant attention from bank boards, management, external accountants and, of course, regulators.

Anti-Money Laundering Literature

Tue, 09 Mar 2010 14:55:23 GMT

Our Anti-Money Laundering/Bank Secrecy Act (AML/BSA) Compliance Services provide the expertise and resources to assist organizations in complying with the AML/BSA laws and regulations and provide practical recommendations for improvement. We accomplish this by...

OMB Issues Open Government Directive

Wed, 03 Mar 2010 16:33:24 GMT

March 3, 2010 ― The clock started ticking for executive-level government departments and agencies on December 8, 2009, when the Office of Management and Budget (OMB) issued an Open Government Directive that includes formal action deadlines on transparency, participation and collaboration.

Public Sector - American Recovery and Reinvestment Act

Tue, 02 Mar 2010 11:56:59 GMT

In February 2009, the $787 billion American Recovery and Reinvestment Act (ARRA) was signed into law to address the economic crisis in the United States. Monies were allocated for a variety of areas, including clean, efficient energy; 21st Century education; healthcare modernization; science and technology; roads, bridges, transit and waterways; and more.

Technology Risk Assessment Literature

Mon, 01 Mar 2010 16:18:24 GMT

What are Technology Risk Assessment Services? Technology Risk Assessment (TRA) Services identify and rank risks that could threaten the integrity of an organization’s information systems and technology infrastructure. TRA services are designed to support the development and maintenance of an Information Technology (IT) audit plan, flagging those risks that require immediate remediation. The assessment can be customized to...

Sustaining Internal Controls Compliance Client Success Story - Health and Life Sciences Company

Mon, 01 Mar 2010 16:15:41 GMT

Client: A global, values-driven health and life sciences company with facilities in 27 countries

Sarbanes-Oxley Compliance for Smaller Businesses

Mon, 01 Mar 2010 16:07:27 GMT

The Sarbanes-Oxley Act of 2002 may be one of the most significant challenges businesses have faced in decades. Understanding the scope and extent of Sarbanes-Oxley compliance activities, along with...

Perspectives on COSO’s Monitoring Guidance

Mon, 01 Mar 2010 16:02:58 GMT

In June 2008, the Committee of Sponsoring Organizations of the Treadway Commission (COSO) published...

Managing IT Costs in Tough Economic Times

Mon, 01 Mar 2010 16:00:00 GMT

We are in the midst of a serious economic contraction. It’s gripped the globe, causing high anxiety among investors, businesses large and small and even the average person on the street.

IT Governance Literature

Mon, 01 Mar 2010 15:56:52 GMT

What is IT Governance? Jefferson Wells IT Governance services evaluate legal, regulatory, institutional and ethical environments as they relate to your internal control framework. These can affect an organization’s direction, performance and accountability, operations, reliability of financial reporting and disclosure, and compliance with applicable laws and regulations.

Information Security Governance Services Literature

Mon, 01 Mar 2010 15:44:23 GMT

What are Information Security Governance Services? Information Security Governance Services assist organizations in assessing their current security management practices or in building security management architectures and offices. They include assessments of...

Contract Compliance and Cost Recovery Services Literature

Mon, 01 Mar 2010 15:12:00 GMT

Jefferson Wells Contract Compliance and Cost Recovery Services help you reduce costs, recover savings and improve processes. Our professionals evaluate an organization’s exposure to overpayments through an in-depth review of the procurement process to identify control weaknesses and recover savings. These services are critical when...

Technology Risk Assessment Client Success Story - Financial Services Company

Mon, 01 Mar 2010 14:45:12 GMT

Client: A large federal credit union with more than $2 billion in assets.

IT Audit Co-Source and SOX Compliance Client Success Story - Telecommunications Company

Mon, 01 Mar 2010 14:25:04 GMT

Client: A global wholesale telecommunications company.

J-SOX Client Success Story - Manufacturing

Mon, 01 Mar 2010 14:14:53 GMT

Client: The North American operations of a Japanese manufacturer with annual sales of more than 700 billion Yen.

Co-Sourcing Client Success Story - Chemical Manufacturing

Mon, 01 Mar 2010 14:11:36 GMT

Client: An innovative Fortune 500 specialty chemical company with manufacturing facilities in 20 countries and sales and technical offices around the world that generates approximately $4 billion in annual revenue

IT Security Governance - HIPAA - Client Success Story - Leading Academic Health Facility

Mon, 01 Mar 2010 13:53:39 GMT

Client: A leading academic healthcare facility in tertiary care services, including specialization in the diagnosis and treatment of heart, lung and vascular diseases

IT Security Governance Client Success Story - Medicare Contractor

Mon, 01 Mar 2010 13:48:37 GMT

Client: A large Medicare contractor with offices across the Unites States

Financial Institutions that Fail: Four Common Denominators

Thu, 25 Feb 2010 16:01:47 GMT

Whether it’s economic uncertainty that alters the perception of a borrower’s credit quality, the company’s own capital market pressures, or changing regulatory guidelines, Board members and senior management must mitigate a corporation’s risk to not only sustain and increase existing market share but also to ensure the institution’s ongoing viability.

IT Audit Client Success Story - Insurance and Financial Services Company

Wed, 24 Feb 2010 16:41:08 GMT

Client: An insurance and financial services provider with operations in more than 130 countries and jurisdictions.

Enterprise Risk Assessment and Management - Banking Industry Client Success Story

Wed, 24 Feb 2010 16:03:48 GMT

Client: A community bank that focuses on commercial and agricultural lending with assets of nearly $500 million.

SEC Enhances Rules on Disclosure

Thu, 18 Feb 2010 16:42:05 GMT

February 18, 2010 ― In mid-December 2009, the Securities and Exchange Commission (SEC) made rule changes to how corporations, and specifically their boards, inform shareholders about the way they manage the risks of the business; the use of compensation consultants and any resultant potential conflicts of interest; and corporate governance in general. The following summarizes the key points of those changes.

Financial Institution Services - Troubled Asset Relief Program (TARP)

Wed, 17 Feb 2010 14:45:37 GMT

Recent market events have rocked financial centers worldwide and the responses of the U.S. government and regulators have been swift and unprecedented: the Treasury’s implementation of the Troubled Asset Relief Program (TARP) and acquisition of preferred shares in troubled financial institutions (convertible to common stock), and continually changing regulatory and public expectations to name just a few.

COBIT and IT Governance Client Success Story - Education

Wed, 17 Feb 2010 09:41:36 GMT

Client: A college textbook wholesaler/retailer with a corporate office/warehouse and approximately 250 retail locations throughout the U.S.

First Business Financial Services, Inc.

Fri, 14 Aug 2009 14:35:34 GMT

Darigold

National Government Services

Fri, 14 Aug 2009 14:28:59 GMT

ProAssurance Corporation

Fri, 14 Aug 2009 14:28:59 GMT

SCF Arizona

Fri, 14 Aug 2009 14:28:59 GMT