FINANCIAL MANAGEMENT SERVICES, NAMELY, MANAGEMENT OF FINANCIAL TRANSACTIONS BETWEEN COMMERCIAL BANKS AND POOLED DEPOSITOR GROUPS AND INDIVIDUAL DEPOSITORS; INVESTMENT FUND TRANSFER AND TRANSACTION SERVICES, NAMELY, PROVIDING LIQUID, INSURED DEPOSIT OPPORTUNITIES FOR POOLED DEPOSITOR GROUPS AND INDIVIDUAL DEPOSITORS AND PROVIDING DEPOSIT FUNDS FROM THE POOLED DEPOSITOR GROUP SAND INDIVIDUAL DEPOSITORS TO COMMERCIAL BANKS THAT THE COMMERCIAL BANKS MAY BE PERMITTED BY REGULATORY AUTHORITIES TO COUNT AS STABLE DEPOSITS