CHARLES SCHWAB

Providing a full line of financial and investment services, namely, financial planning and investment advisory services, investment management services, investment brokerage, banking services, financial loan consultation, credit and loan services, savings account services, financial administration of retirement plans, financial trust planning, trust services, namely, investment and trust company services, trading in securities, estate trust planning, estate trust management, and insurance brokerage; providing information and analysis in the fields of finance, investment, financial planning, and investment strategy

Educational services, namely, conducting seminars, webcasts, training sessions, classes, conferences, and workshops in the fields of investment, finance, business, financial planning, portfolio management, retirement planning, money management, and asset allocation; providing a website featuring non-downloadable videos in the fields of investment, finance, business, financial planning, portfolio management, retirement planning, money management, and asset allocation

providing temporary use of online, non-downloadable interactive software for managing, monitoring and creating reports for personal financial and investment accounts; software as a service (SAAS) services comprised of computer software for use in on-line trading of securities and portfolio management in the fields of finance and investments