BANC OF AMERICA SECURITIES

Financial services, namely, providing financial analysis, consultation, planning and management, commercial and consumer lending and leasing services, mortgage lending, and loan financing; credit card services; debit card services; electronic payment, namely, electronic processing and transmission of bill payment data; financial information in the nature of rates of exchange; security services, namely, guaranteeing loans; cash management; mortgage banking; investment services, namely, providing investment analysis, consultation, planning, management, advisory, brokerage, banking, and research services with respect to stocks, mutual funds, securities, bonds, commodities, real estate and other instruments of investment