Exhibit 13-7Summary of Benefits and Challenges in Electronic Distribution of Services

• Consistent delivery for standardized services

• Low cost

• Customer convenience

• Wide distribution

• Customer choice and ability to customize

• Quick customer feedback

• Customers are active, not passive

• Lack of control of electronic environment

• Price competition

• Inability to customize with standardized services

• Lack of consistency with customer involvement

• Security concerns

• Competition from widening geographies

Benefits

Challenges

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