EMERGE

Providing temporary use of non-downloadable computer software by authorized securities brokers and account representatives for viewing financial account data and relevant non-financial information about their clients, for facilitating analyses of their clients' holdings and financial positions, for processing the brokerage of securities and other investment product transactions in the nature of variable and fixed annuity products, for financial research, for online administration of securities and annuities accounts, and for providing online financial information featuring forms directly related to transacting securities and insurance business