Galt Enterprises, Inc. ("Galt") is proudly celebrating over 40 years in business. For more than a quarter century, Galt and its sister company ServiceGuard Systems, Inc. ("ServiceGuard") have offered and administered Extended Service Contracts, GAP products, Credit Life and Disability Insurance, and other related products to the Automotive, Powersports, Trailer, Marine, and RV industries. We continue to offer our A.M. Best A-rated fully insured programs and our F&I Online Internet-based menu sales system continues as a support tool to our dealers. Galt and ServiceGuard have offered their respective products through thousands of dealerships, banks and credit unions across the country. The success and longevity of Galt and ServiceGuard are largely attributable to their philosophy of meeting the needs and demands of the industries they serve and then providing Quality Coverage at a Fair Price. Galt and ServiceGuard will continue their product research and development with a view to serve the needs of customers and dealers. As the Products and Services expand, Galt and ServiceGuard will not reduce their hands-on human approach to the administration of programs, from claims adjusting and claims payment to prompt response to dealer and customer questions.