BENEFICIAL

[ PREPARATION OF INCOME TAX RETURNS ]

EXTENSION OF CREDIT THROUGH [ ISSUANCE OF CREDIT CARDS; ] SMALL LOANS, INSTALLMENT LOANS AND INSTALLMENT CREDIT SERVICES; COMMERCIAL, [ RETAIL, ] CONSUMER AND MORTGAGE LENDING SERVICES AND INSURANCE SERVICES; NAMELY, DIRECT UNDERWRITING [ AND REINSURANCE ] OF LIFE *AND * ACCIDENT [ AND HEALTH AND PROPERTY AND CASUALTY ] INSURANCE