We have worked with Pat Isaac for many years, and have truly formed a partnership with her to best meet the benefits needs of our employees. Pat approaches every situation with the company’s best interest in mind and we rely heavily on her experience and expertise in guiding our benefits decisions.

˗Gayle, Manufacturing Firm

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Ms. Isaac founded Capital Services, Inc. with a singular goal: a deep commitment to helping clients. With over two decades of industry knowledge and experience, she has quickly grown Capital Services into a global premier Health and Welfare Consulting Firm. She is tri-lingual. Pat focuses primarily on business growth, client satisfaction, and the continuous development of state-of-the-art client solutions that lead to measurable outcomes and savings for her clients. Pat has more than 20 years of experience in employee benefits with large consulting firms, and has helped C-suite executives at leading companies around the world deal successfully with a wide range of human resource and benefit-related issues. Pat attended Towson University, holds a Life, Health and Long Term Care licenses. She has her designation as an Advanced Benefit Consultant and is soon completing her Certified Employee Benefit Specialist CEBS certification. Pat also sits on the board for H.O.P.E. (Helping Orphans Prosper Everywhere) and PLEASE (People Letting Every Animal Survive Euthanization). Pat has been a member of the Woman’s President’s Organization (WPO) since 2009.

Pat Isaac, ACBCExecutive Vice President/Founder

Testimonials

www.capital-services.com1 Olympic Place, Suite 900

Towson, Maryland 212041-410-576-8948marketing@capital-services.com

It's the team of experts that support us and our employees that make us feel safe knowing that our best interest is at heart.

˗Christian, Cyber Security Firm

“ ” Their commitment and passion in delivering the results amazed our leadership team and board of directors. CSI is truly one of a kind. Thanks.

˗Steve, Engineering Firm

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A Highly CredentialedTeam of Experts

Our ProcessAt Capital Services, Inc. (CSI), we develop customized solutions for clients that are aligned with their specific, goals, demographics and financial needs. We will provide a performance guarantee based on proven results, whenever we develop a multi-year solution. Optimal results are driven by a high level team of experts that includes board certified physicians, financial analysts, and experienced client advocates. From custom employee communication materials to human resources tools and claims data analysis, CSI provides a complete range ofto help your organization achieve itsstrategic objectives.

We provide every client with a customized Total Benefit Solution that is aligned with your organization's objectives to reach optimal plan performance of your employee benefit offerings by developing a multi-year strategic plan that is aligned with your firm's priorities, culture and business objectives. We assist to create opportunities for your workforce that foster accountable andproductive behavior to provide youwith measurable outcomes.

We’re Your Premier Health and Welfare Consulting Firm

Specialized Coverages

Employee Benefits

● Employee Benefits

● Wellness

● Financial Solutions

● Executive Benefits

● Specialized Coverages

● HR Consulting

Our Services

Our clients have different needs from short-term to long-term travel. Today, organizations like yours are importing, exporting or setting up business operations overseas. These business functions create risks that can potentially impact your organization. Often, it is left up to the foreign subsidiaries to secure their own insurance programs, which generally do not align with the risk management strategies of the parent company in the U.S. This can result in coverage gaps, inadequate policy limits and non-compliance with foreign laws.

Our products cover all types of travel possibilities: ● Ex-Pat Coverage ● International Travel Medical Insurance ● Individual, Group and Corporate Plans ● International Life and Disability Insurance ● Terrorism and Sabotage Amendments ● Kidnap & Ransom Coverage ● Executive and Student Travel Plans

For over 20 years, employee benefits have been the foundation of our business leadership team; we have been developing, executing and managing employee benefit programs for local, national and international clients. These services have included fully insured as well as self funded programs. We provide medical, dental, vision, disability, life insurance, voluntary coverages, international coverages and executive benefits for groups and individuals.

We provide each of our clients with a customized benefit website for their employees and a CSI Client Portal for all HR related compliance and data.

We have relationships with all of the major Insurance Carriers. This provides CSI with specialized plans and pricing arrangements that are passed on to our clients. We aggressively negotiate and develop solutions; which incorporate a distinctive wellness program along with the analytics needed so you can achieve results. Our dedicated service team is responsible for assisting your employees with questions or concerns related to your benefits program.

International Coverage

Voluntary BenefitsVoluntary benefits are elective employee benefit coverages, made available to employers on an a la carte basis for purchase. Although coverages can be tailored to each employer, four key characteristics existin a global voluntary benefits program:

● They are 100% employee paid through payroll deduction ● They are purchased through an employer and are financially appealing ● Employees may have pre-existing conditions waived ● Guaranteed Issue amounts

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Our clinicians and data analysts trackthe progress, create educational campaigns,

benchmark the data trends and provideindividual coaching when needed.