CHARLES SCHWAB

brokerage services in the fields of securities, stocks, bonds, mutual funds, money market funds, commodities, futures, options, and indices of any of them; investment services in the fields of securities, stocks, money market funds, bonds, mutual funds, commodities, futures, options, and indices of any of them; investment advice in the fields of securities, stocks, bonds, mutual funds, money market funds, commodities, futures, and options; securities brokerage account services that feature interest bearing money market funds whose shares are available for automatic investment and redemption, access to cash, and margin loans; debit card services; check writing services; cash management account services; fixed income investment services; electronic funds transfer and payment services; providing finance, investment, financial planning and investment strategy information; retirement account investment services

educational services, namely, conducting seminars and workshops in the fields of investment, finance, financial planning, portfolio management, retirement planning, money management, investment strategy, and asset allocation