RISK AUDITING & ADVISORY SERVICES, INC.

RAAS, INC.           “The Insurance & Claims Auditing Specialists”         RAAS, INC.
4140 Woodmere Park Blvd. – Suite 4                  E-mail: raasone@cs.com                                  Montclair, NJ. 07043
Venice, FL. 34293			                                                                                                                  	     		 Northville, MI. 48167
(888) 878-9579			  		     	                                                                                                                         Fax: (941) 492-4669

As a quick overview, Risk Auditing and Advisory Services (RAAS, INC.) will provide the following services:

     •  PERFORMANCE AND COMPLIANCE REVIEWS
        Claim Files are reviewed and statistics compiled for objective comparison to RAAS, Inc’s 
        nationwide statistics.


     •  RESERVE ADEQUACY REVIEWS
        Claim files are reviewed to analyze the accuracy of the case reserves. In addition, 
         RAAS, INC. is qualified in Michigan to review association reserves for return of surplus 
         to the members.


     •  CLAIM FINANCIAL REVIEWS
         A file review focusing on the financial aspects of claims handling including but 
         not limited to specific and aggregate penetrations.


     •  ORGANIZATIONAL REVIEWS
        Claim files are reviewed to identify claim handling strengths and areas for improvement.  
        A high level management review is completed and recommendations are made to improve 
        the efficiency and operational controls of the organization.

Our independent professional services assist you in managing your self-insurance programs. We take the current services provided by your CPA and broker a step further.